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Auto insurance rates for teenagers are much higher than rates for adults because of their lack of experience driving. However, there are several ways to reduce a young driver's prices.
Having a clean driving record, with no tickets or accidents could make a tremendous difference. Nearly all carriers offer a good student discount which can also substantially reduce the premium.
Shopping and comparing always is a god idea. An experienced broker can help determine the best options to help bring your prices down.
LIVE answer provided by: Ed Harris - Premier Car Insurance broker for 33 years and owner of several top-rated national auto insurance consumer websites.
Teenagers historically are much more likely to experience a claim than more experienced drivers. If you are just getting your license for the first time, you may be viewed similarly to a youthful driver by insurance carriers.
Some carriers will assign the highest risk driver to the highest value vehicle, some will rely on an agent getting the driver assignment information from the customer. This can have a large impact on premium along with other factors. So talk to a broker about who the best carrier is for you.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
In California a driver is not penalized for being a teenager directly. Instead all drivers with limited experience are rated together in three to four year increments. They are not differentiated by sex either. It is obvious that other states rate on age which illustrates that insurance premiums are regulated by states and reflect the thinking in the states. In California the insurance formula was set by constitutional amendment.
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Having a clean driving record, with no tickets or accidents could make a tremendous difference. Nearly all carriers offer a good student discount which can also substantially reduce the premium.
Shopping and comparing always is a god idea. An experienced broker can help determine the best options to help bring your prices down.
LIVE answer provided by: Ed Harris - Premier Car Insurance broker for 33 years and owner of several top-rated national auto insurance consumer websites.
Some carriers will assign the highest risk driver to the highest value vehicle, some will rely on an agent getting the driver assignment information from the customer. This can have a large impact on premium along with other factors. So talk to a broker about who the best carrier is for you.