Do you need young drivers car insurance? Before getting insurance quotes it is a good idea to discover as much as possible.
You can save a lot of time and effort, if you know what factors are determine young drivers auto insurance rates. This is the key to finding cheap insurance.
You may be shocked to hear that when it comes to car insurance many people pay substantially more than they really have to. By far the most common mistake is not shopping around.
As you can can imagine young drivers auto insurance can be very costly. In order to find the best combination of good coverage and low cost insurance rates, you have to go the extra mile.
One of the biggest problems new drivers face is their lack of driving history. Sadly, there is not really a lot that can be done about it. The majority of insurance companies lump all young drivers together as a significant insurance risk. It is proven statistically that because of their lack of experience drivers under the age of twenty five are approximately 3 times more likely to be involved in an accident than a driver aged 60 or over.
It is understandable why some careful young drivers feel ‘punished’ by the insurance companies. Paying up to five thousand dollars per year, for belonging to this ‘risky’ insurance group does seem unjust. Of course, there are things that can be done to help the situation. You can lower your insurance premiums if you maintain good grades at school, drive an “insurance friendly” vehicle and reduce your yearly mileage. You will be glad to hear that many insurance companies do offer up to 25% discount for students who maintain a B average.
Every young driver has to focus on establishing a good driving record. Remember that a single traffic violation may push your insurance premiums through the roof. Even a small accident can be an excuse for many insurers to hike your premiums.
It is a good idea for parents to pay attention their child’s driving habits and behaviour on the road. Accidents can be avoided if careful driving practices are encouraged.
Make sure you check if your state has any regulations and safety laws which apply to young drivers. There are passengers restrictions in the states of Georgia and New Jersey, Florida and California have night driving restrictions for young drivers.
Also keep in mind that in order to apply for a driver’s license, same states may require you to complete a number of hours in a driver’s education course.
Compare free insurance quotes for young drivers now and see how much you could be saving!