| Q: Why does it cost so much to get auto | | | | better about insuring a teen who has completed a |
| insurance for young drivers? | | | | certified course in defensive driving. Look into |
| A: Getting auto insurance for this category of | | | | programs and courses that will help reduce the |
| drivers is expensive because most insurance | | | | cost of insurance for young drivers. |
| companies charge the highest premiums for the | | | | Another way to reduce the cost of auto |
| drivers that they believe are most likely to put in | | | | insurance for teenage drivers is to put them into |
| claims. Statistically speaking, these drivers | | | | a safe car. The cost to insure these drivers will |
| comprise the largest group of those making | | | | be more expensive if they are going to be driving |
| claims. One reason for this that teenage drivers | | | | a sports car, expensive car, or SUV. You can |
| are less experienced on the road and tend to | | | | save up to 50% on car insurance premiums by |
| have more motor vehicle accidents. While these | | | | insuring them in a car with a high safety rating. If |
| drivers actually comprise a small percentage of | | | | possible, have them driving a car with a lot of |
| drivers, they are most often involved in car | | | | safety features such as side-airbags, automatic |
| accidents. Another reason for the high cost of | | | | seat belts, and anti-lock brakes. This can help to |
| insurance for young drivers is that they do not | | | | keep your teen save and save on car insurance |
| have a driving record and therefore are not | | | | premiums. |
| usually eligible for a discounts related to having a | | | | There are also some other simple factors that |
| good driving record. | | | | can help keep the cost of auto insurance for |
| Q: What can one do to reduce the cost of getting | | | | young drivers down. Keeping good grades can |
| insurance for young drivers? | | | | qualify these drivers for a discounted rate with |
| A: Consider an accredited driver safety course or | | | | many insurance companies. Keeping the miles |
| program such as defensive driving for your young | | | | driven by the teen to a minimum will help to |
| driver. Some insurance companies sponsor them, | | | | reduce the premiums as well. Driving only when |
| and most will give considerable discounts for these | | | | necessary at the beginning will allow the young |
| drivers who have completed them. The thought | | | | driver to compile a clean driving record while |
| behind this is that defensive drivers are safer | | | | paying less for insurance. This will help to keep the |
| drivers. And in consideration of the statistics | | | | auto insurance for young drivers costs down as |
| regarding teen drivers, insurance companies feel | | | | they get older. |