( EMAILWIRE.COM , September 24, 2009 ) Los Angeles, CA – As exciting as it is for a teenager when the day comes that they get their driver’s license, the same amount of joy may not be shared by parents. This is because they are well aware of how expensive it can be to insure a brand new driver. Unfortunately, those of the age of sixteen are charged a considerably higher rate than more mature. This often makes the idea of insuring a teen a day to dread, but with some knowledge on how to go about effectively finding cheaper rates, teens can find policies that are affordable.
The primary reason that car insurance for 16 year olds is more expensive than older drivers is simply because of their relative lack of experience behind the wheel. This lack of experience tends to put them at a higher risk of having an accident than older drivers and is supported by many studies and statistics.
By visiting http://highwaysafety.ky.gov/files/tip_sheets/youngdrivers.pdf one can see that the that the leading cause of death among teenagers is traffic accidents and they are three times more likely be involved in a fatal crash than older drivers. This is an unfortunate statistic, but it is with great reason that parents teach their children the importance of safe driving.
What Will Car Insurance Cost For My 16-Year-Old? - Insurance ...
Finding out how much it will cost to provide insurance to a new driver, especially a 16 year old, can almost be jaw dropping. Insurance companies have decided that because these 16 year olds haven’t had much experience on the road, they will most likely be involved in some type of incident that will result in filing a claim and statistics can prove this. Because of the high chance of this occurrence, insurers go ahead and charge 16 year old drivers a high rate even before they’ve had a chance to prove they will be a safe driver. It’s just the way it goes! However, if you know what goes into deciding the rates of the new driver, you can also learn what to do to help lower the rates.
Determining The Rates What exactly goes into determining the rates of a 16 year old driver you might wonder? It’s the same as how an insurer determines the rates of any driver, honestly. First, the insurance provider will look at the age and gender of the driver, coupled with the residential location and the driving history of the driver, if there is any. These factors are all put together to figure out the “risk level” of the new driver. The younger the driver, the less experience they have and the more risk they have of being in an accident. Young male drivers have statistically shown to be more reckless than young female drivers, and the males are charged higher rates since they are part of more accidents than their female peers. The residential location affects the premium in the sense that if the car is parked in a high crime area, there is a higher chance it will need repairs due to theft or vandalism.
All drivers, both experienced and new, can always be working on keeping their driving record clean and free from accidents and tickets, which will keep rates lower. Learning to always obey the speed limits and traffic signs will help aid them in keeping a clean record. Newer drivers have the disadvantage of not being able to have already proven their ability to drive safe the way an older driver has. There are 16 year olds on the road who do their best to drive safe and not have distractions in the vehicle with them. This is good practice to help them learn the importance of safety and it will also keep them focused on the road and their surroundings instead of a conversation or changing the radio station. Keeping a driving record clean is about the only thing a 16 year old driver can do to help keep their premium charges low. They can’t necessarily change their age, gender, or address which also affects their premium, but they are in control of their driving record.
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