Wednesday, March 24, 2010

Cheap Auto Insurance for Young Drivers

Do you need auto insurance for young drivers? Before comparing insurance quotes it is wise to learn as much as possible.

You will save a lot of time and effort, if you know what factors are influence young drivers auto insurance rates. Ultimately, you will find cheaper insurance.

It is astonishing that many people pay considerably more than they really need to for their auto insurance . Most of the time this can be easily prevented by simply comparing quotes online.

As you can can imagine auto insurance for young drivers can be particularly expensive. That's why it is of paramount importance to go the extra mile in order to find the best combination of lower car insurance premiums and good insurance coverage.

One of the biggest problems new drivers face is their lack of driving history. Unfortunately, there is not really a lot that can be done about it. Most insurers treat all inexperienced drivers the same way in the high-risk category. It is proven statistically that because of their inexperience drivers under the age of twenty five are nearly 3 times more likely to be involved in an accident compared to a diver over sixty.

It is understandable why some careful young drivers feel 'punished' by the insurers. In the eyes of many, having to pay up to $5000 per year is unjust. Of course, there are things that can be done to help the situation. You can lower your insurance premiums if you maintain good grades at school, drive an "insurance friendly" vehicle and reduce your yearly mileage. Did you know that some insurers do offer as high as a 25% discount for students with an average grade of B.

Every new driver must focus on establishing a safe driving record. Its important to know that a single 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.

Paying close attention to the driving habits and behaviour of young drivers on the road is a good idea for parents. Encouraging proper driving practices will help them to establish a good driving record and help avoid future accidents.

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.

Most states will also require the completion of a certain number of hours in an education course before you can apply for drivers license.

See also: Auto Insurance For Women Is Cheaper

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