When a teenager takes the wheel of a car and begins driving, many parents become very nervous about the possibilities of their young driver getting into an accident. After all, according to the CDC (Centers for Disease Control and Prevention); teenagers are involved in one in three fatal car accidents in the United States. Furthermore, teens age 16-19 make up the highest level of risk for car accidents.
With statistics like these, you can bet that in order to get cheap car insurance for young drivers, you must first understand these important statistics.
Why should you be aware of this?
Because all of the car insurance carriers out there are more than aware of these statistics as well as dozens more and base their rates according to them. These types of statistics are the main reasons why trying to find cheap car insurance for young drivers is so difficult.
Young drivers are considered “high risk” because they do not have a proven track record to indicate otherwise. However, there are some techniques and tips that I have found to be the most beneficial when it comes getting cheap car insurance for young drivers which are:
- Make sure that the insurance provider understands that the distance your teenager is driving is a short distance from home. The shorter the distance, the less likely an accident is will occur.
- Make sure your teen is driving a “safe” car. 4 door sedans with front air bags, anti-lock breaks, alarm system, low miles, on-star system, etc, are all examples of items the insurance companies will ask you about.
- Make sure their driving record is clean. If your teen has been in an accident before you are requesting a new quote from a insurer, be ready to provide explanations as to what happened. You might be able to negotiate a lower premium if the explanation is reasonable.
Other things to mention that could reduce your premium is proof of good grades, gender of the driver, type of coverage, and having the payments automatically debited from your account are all ways to bring the insurance cost down.
Now that you have some basic pointers as to how to lower your premium, where do you go to actually obtain cheap car insurance for young drivers?
Well, you have three options:
1. You can try to guess as to who offers the best price and coverage. (Not recommended)
2. You can randomly apply online to several different insurers websites and then compare quotes. (To tedious and time consuming)
3. You can get multiple “real time” quotes automatically. (Highly Recommended)
Where do I get multiple “real time” quotes?
Contrary to what many people believe, it is possible to get multiple quotes from all the major car insurance providers by only applying using one application form. You get your quotes immediately after filling out the form, and they are all “real” quotes that specifically apply to your young driver and their particular circumstances, not national averages that don’t have anything to do with you or you’re teen. Plus, the best part of all is that it is all fully automated online and is 100% free to do.
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