The teenage years really are a very crucial period of time not only in the teen’s personal and private lives but also in their driving. The moment these young people started to drive their own ways availing car insurance policy to have them ensured is needed. Across states there are differing laws accompanying teenage driving however the common face would be driving without insurance policy is a no-no.
The fact that young drivers are considered to be high risks for the company they are given higher rates as well. Considering fatal crashes teen drivers are three times more likely to be killed than drivers between 25 and 64 years of age. Teenagers are also more linked to risky driving behavior than adult drivers. Therefore insuring a teenager would really add a huge amount in the family's expenses. Female teenagers can double her family's car insurance rates while male teenagers can triple the cost.
The different rate given to teenager drivers really is justified by them being associated statistically to worse driving records and higher probability of being involved in accidents both major and minor. However the possibility of getting a lower rate is still open even for the teenager drivers cases.
Teenagers are starting drivers thus they do not actually need expensive flashy cars for their ride. Driving older models will give the young driver a lower rate. Luxury cars would just add up to a teen's already sky high policy rate. Older car models are safer to drive and the fact that they are less expensive means lesser cost when it is to be repaired in cases of accidents. Moreover using older cars can save a teen from spending on collision and comprehensive coverage that are needed by a new car.
Cars with safety devices also would help lower a teen's car insurance rate for having them would reduce the damages an accident or thief can inflict both to the car and the driver.
The magic number teens must be looking forward to being 25 for this is the age that would free them from paying a lot for their auto insurance. While waiting for that time to come, teens can lower their insurance policy rates by being responsible drivers.
Avoiding tickets, crashes and obeying traffic rules and regulation all the time would make a teen's driving record a good reason for insurance provider to lower his/her rate. Filing no claims for specific span of time would open other possibilities for larger discounts for most car insurance providers are offering special promos regarding this matter. Moreover filing no claims would set your reputation as a low risk driver despite your age.