Finding Auto Insurance for Teenagers

Unfortunately for young motorists the road leading to affordable auto insurance can be a little more difficult than those who are more mature and have more experience behind the wheel. The reason for this is that younger motorist, especially teenagers are statistically shown to have a higher involvement in traffic collisions. From a statistical standpoint, teenagers are much more likely to have an accident and also have bad driving habits including using cell phones and being easily distracted by passengers. Drivers in their teenage years are far more likely to be involved in an accident than more mature drivers and are also responsible for approximately a third of the cost of bodily injuries caused by collisions even though they make up only about 12% of licensed drivers.

Due to these statistics younger motorists are usually subject to higher premiums; it does not matter if they are a “good” driver or not because they do not have a driving history to prove that they are responsible when operating a motor vehicle. With that in mind, insurers must charge more to cover these individuals in order to protect themselves from the potential of future losses and can become difficult to find cheap car insurance for teens if not shopped for properly. Fortunately, there are many steps that can be taken to help these younger drivers find the most affordable automobile coverage.

Steps to Cheaper Car Insurance for Teens

A vital step to locating affordable coverage for teenagers is to simply take the time to shop around an compare rates from as many insurers as possible; there are so many companies to choose from and  getting quotes from a variety of carriers can raise the chances of a teen finding a company that can offer an affordable premium. In fact, there are providers who target younger drivers whether to gain a larger piece of the market or they may simply just be more profitable with these “riskier” drivers and are able to insure them at a lower rate. Therefore, taking the time to compare quotes from a variety of companies can be well worth it to locate a cheaper premium.

When comparison shopping, the approach taken is a very important step as well; teens should be aware of their options and compare based on different scenarios. For instance, being added to a parent’s existing policy can be much cheaper than obtaining a policy of their own and adding their vehicle can provide a multi-car discount which will reduce premiums even more. Teenagers should also be aware of any additional discounts that are available and take advantage; a common discount for young motorists is the good student discount (good grades will not only make mom and dad happy, but will lower the cost of insurance). This discount is available to students who maintain a “B” grade point average or higher and proof may have to be submitted to the coverage provider for a reduction in premium. In addition, consumers can refer to the Utah Department of Insurance for helpful tips when insuring a teen and also ways to keep these young drivers safe behind the wheel.

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