Young Drivers Auto Insurance

Hunting for car insurance for young drivers? It is a good idea to learn as much as you can before getting insurance quotes.

Knowing what factors are used to calculate young drivers car insurance rates will save you a lot of time and effort. The bottom line is that you will find cheaper insurance.

You may be shocked to hear that when it comes to car insurance a lot of people pay a lot more than they really have to. By far the most common mistake is not shopping around.

As we all know young drivers car insurance can be very expensive. In order to find the best combination of good coverage and affordable insurance rates, you must go the extra mile.

One of the biggest problems young drivers face is their lack of driving history. Unfortunately, there is no quick-fix solution to this problem. Most insurers treat all inexperienced drivers the same way as a significant insurance risk. It is a fact that because of their inexperience drivers under the age of twenty five are almost three times more likely to be involved in an accident compared to a diver over sixty.

It is understandable why a huge number of careful young drivers feel 'punished' by the insurers. In the eyes of many, having to pay up to five thousand dollars per year is like a penalty. Of course, there are things that can be done to help the situation. You can lower your insurance rates if you maintain good grades at school, drive an "insurance friendly" vehicle and reduce your yearly mileage. Did you know that a number of insurers do offer a discount up to 25% for students who maintain a B average.

Every new driver needs to focus on establishing an excellent driving record. Keep in mind that just one traffic violation may significantly set you back on your quest for better insurance rates. Even a small accident is an excuse for most insurers to raise your rates.

It is a great idea for parents to monitor their son or daughters driving habits and attitude on the road. Accidents can be avoided if good 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.


Many states will also require you to complete a certain number of hours in an education course before any young driver can apply for drivers license.

See also: Women Pay Less For Auto Insurance