Teen drivers like being on the road. Speed and being on the road most of the time, however, are the precursors of accidents particularly when the driver is not responsible.
Statistics show that because of carelessness and reckless driving, teens become involved in a lot of fatal accidents. Insurers do not like this. Because of this, young people applying for car insurance gets a very high quote from insurers.
It is not hopeless for young drivers since there are ways for them to lower premium rates.
Many insurers provide substantial discounts to students who are able to maintain at least a B average in school. The reason for this is to encourage teens to put more attention to their studies instead of being behind the wheel all the time.
This would not be problem for those who are already taking their studies seriously. Insurers are also inclined to provide students discounts in their rates if they have proven their mettle as drivers by not getting involved in accidents, however minor. This will show insurers that the driver does not pose the same risk as others of the same age group.
Lastly, it is a good indication of a responsible individual if the young driver follow traffic rules. Following the rules will avoid putting the driver’s life at risk, as well as the lives of others on the road. Once the young driver is able to meet all three requirements, he will surely get a more affordable car insurance rate.
Do not forget to ask for discounts. Drive a safer car by installing safety features and anti theft devices. Also, take defensive driving class to improve your driving habits and get discounts as well.