Car Insurance for 16 year-olds: Things to Consider

For many parents, car insurance for their 16-year-old children can be a stressful idea. Selecting the right insurance while weighing in the cost options can be quite overwhelming. Here are a few things you need to consider while searching for the right auto insurance for your teenage driver.

● Average Costs

Start by researching the average cost of car insurance for 16-year-old drivers. You’ll find that multiple factors impact the premiums. You’ll have to analyze the type of carrier you have, the state you live in, and whether the teen has their own car. You can also check to see if the teen driver qualifies for any discounts.

• Coverage Can Be Expensive

Car insurance for 16-year-old drivers is often costly because of their inexperience as a driver. A driver’s experience is one of the most significant factors to consider when searching for insurance coverage. Becoming a good driver often takes several years of practice. Because of inexperience, young drivers are more prone to making mistakes. Earning the status as a good driver in an insurer’s eyes can take years, which is why car insurance for 16-year-old drivers is often so expensive.

● Popular Teenage Driving Mistakes

Teenage drivers are likely to be involved in a collision due to their lack of experience. Speeding is a major issue for most teenage drivers that affects car insurance rates more than anything else. In normal cases, excessive speeding leads to multiple tickets. However, in extreme cases, it can lead to accidents and deaths. Distracted driving is another common issue with teenage drivers as many teens text while driving, leading to potentially fatal results. Singular focus is another common problem among teenage drivers. Initially, drivers may focus directly on the vehicle in front of them and neglect everything around them. Scanning all of your mirrors for potential dangers is a skill that takes a while to learn, and teenage drivers often fail to take note of different people, objects, and vehicles around them.

● Getting A Better Rate

While car insurance for 16-year-olds is generally expensive, there are a few things that you can do to improve the quotes. Parents should think about adding their teens to their own policies. This allows you to share some of your discounts with your teen. Sharing a car is another option. You can save money when you have to insure fewer cars. You can add the teen to your policy as your vehicle’s secondary driver. This way, their car insurance will be lower as they will be seen as secondary drivers. Getting good grades is another way to reduce your teen’s auto rate moving forward. Look for a carrier that offers a good student discount. Teens who get good grades in school are seen as responsible and more reliable behind the wheel.

These are a few things you need to consider while getting car insurance for your 16-year-old. For all your auto insurance needs, contact the experts at Promised Land Insurance Group today. We are ready to assist you with all your insurance needs.