How can car insurance protect teenagers?


Driving in the busy streets is a skill that is developed through habitual practice. This skill most of the time is improved through knowledge of the road gained from experience. A veteran driver who has a bad traffic record would automatically have a higher premium to compensate for his or her traffic record. On the other hand, a teenager who is applying for a car insurance policy is also automatically seen as an accident prone policy holder. To be able to insure the teenager, the insurance company would charge a higher premium for teenaged policy shoppers. Policy shoppers who are in their teenage years of their life are insured by the company with more risk than a regular policy shopper. The inexperience of teenage drivers puts the company in a situation wherein they have to require a higher premium to make sure that any damages can be covered by the premium paid by the policy holder. The decision to start driving at such an early age in a way represents the limited time given to teenagers to learn. This immediate will to drive also put other drivers in a riskier position.

The proper methods of driving and the manner of following fundamental laws are best learned through experience. Being knowledgeable about these road necessities will make sure that driving in the busiest of streets will still be safe. The hormonal rages of most teenagers are the major causes of accidents and traffic related street mishaps. These attitudes of teenagers give insurance companies enough justifications to charge a higher premium to teenaged policy shoppers. The accidents caused by teenagers who are”thrill seekers” keep even the most trustworthy teenaged driver from getting cheap and reasonable premiums. These reasons are being utilized by insurance companies to create even a notoriously expensive premium policy for teenagers.

Most insurance companies think that teenaged drivers will only and can only learn from experience. This attitude of most insurance companies makes them create policies which can only be made cheaper through years of driving records. A spotless driving record can make way for a policy with lower premium package. For the first years of driving, teenagers can only be insure with high premiums, but upon gaining experience these rates will eventually readjust. The readjustment is usually towards lower insurance premiums. This makes teenage policy holders more conscious of their driving attitudes. It is safe to say that car insurance protects teenagers in two ways- both self and others. It protects other drivers who are put in a riskier situation by driving alongside inexperienced drivers. And it also protects the teenage drivers from giving in to their nature of thrill seeking by rewarding lower premiums to those who have good driving records.