Is There Such a Thing as Affordable Young Driver Insurance?

July 30, 2017 · Posted in General Articles on Car Insurance 

If you are like me and have teenagers at home that are starting to drive, you are probably looking for affordable young driver insurance. Don’t be shocked when you first get quoted for adding your teen to your policy. And don’t despair! Keep reading this article to get some great tips on how to lower your car insurance for the first-time driver in your family.

To back up a little, it’s a true statement that teenagers are the group considered to be the highest-risk drivers. Therefore, insurance companies need to find ways to protect themselves and this often means that young drivers end up having to pay double the amount of insurance and sometimes even triple that other age groups pay.

Within the teen driver group, males, according to recent statistics, between the age of 16 and 17 years old happen to be more prone (than females of the same age) to getting into accidents and having more serious traffic violations.

And, you probably already guessed it, but the boys usually have to pay more than the girls for young driver car insurance.

We don’t like to think about our kids getting into accidents, but be aware that teens between the ages of 16 and 17 are as much as 3 times more likely to be involved in some kind of collision than anyone who is between the ages of 25 and 64.

Nobody wants to think of their teenager as one of those statistics. The fact that the current leading cause of death among 15- to 20-year olds are car crashes, you must be armed with this information and talk to your teen about the implications.

By now, you probably realize that finding low cost insurance for a young driver isn’t going to be easy. But don’t give up. Below are some great ideas for you to minimize the cost for car insurance for your teenager.

Is your teen already driving? What kind of car do they drive? If it’s an older car (meaning not a snazzy sports car), your teenager could possible lower the rates for insurance by purchasing their own policy in their own name.

If your young driver is going to be added to your current policy, think about adding them as an “occasional” driver instead of a “primary” driver.

Really and truly, all teens and first-time drivers should take a driver’s course or class that teaches defensive driving. When your teen finishes the course, this could make them eligible for a reduced premium.

Buying a first car for your teenager? Resist the impulse to buy them a sports car. A low-performance sedan for your first-time driver is the best bet to help you reduce the high cost of insuring a teenager.

The “good student” discount is helpful in reducing insurance rates. When a student gets A’s and B’s, this tells the insurance company that they must be more responsible in other areas of their life so therefore, they will consider lowering the insurance rate.

Understand and implement these tips for getting the best rate possible for young driver insurance and you will most likely find the right policy to cover your teen and fit your financial needs as well.

Want to find out more information about how you can get low cost auto coverage for young drivers? Protect your wallet and your teen by visiting This and other unique content ” articles are available with free reprint rights.

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