Car Insurance Drivers

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn 't have afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

During high school, I always wanted to buy my own car. I began to research how to go about purchasing a car as a teen. I noticed that it's difficult for teens to get car insurance on their own. I began to wonder why it's so expensive for teens. Car insurance is now my biggest problem with buying a car.

Driver's Ed offers a large portion of benefits such as saving finances on insurance. Fact: teenagers have the highest rate percentage on car insurance and, even though it is not an absolute requirement for car insurance, the majority of insurance agencies strongly prefer teen drivers whom have taken Driver's Ed concluding in saving an

While protecting a high school driver, bring down your auto protection costs by getting some information about all the qualified rebates. Insurance agencies by and large have a markdown for good understudies, adolescent drivers with great driving records, and high school drivers who have taken a cautious driving course. Rebates are likewise accessible if your adolescent is just an infrequent driver.

Firstly, teenage drivers cause higher insurance rates. This is due to the high risk of fatal crashes for those under the age of 20. Since many teenagers are caught

Never fear though, because if you make good enough grades, you can receive a student discount. This makes all those good student discounts all the more valuable. According to CarInsurance.com, the student discount is “on average, a 5 to 15 percent discount.” To achieve a good driver discount, most companies only require you to have a 3.0 grade point average. This begs the question, are good students actually better at driving? Personally, i always thought of the good driver discount as a way to motivate kids to get good grades; not because there was actual data correlation between high GPA and driving safely. Alas, there is evidence that links the two. According to “A 2001 study published in the journal Accident Analysis & Prevention found that students with a C or D average were 49% more likely to get into an accident within their first year with a driver’s license than those with an A or B average.”(Cohen) If that is the case, then the discount seems more than fair. While grades can keep your rates low, I don’t think grades tell you that much about a person. How is looking at a bunch of good grades telling me anything about someone other than they are an excellent rule follower and a good test taker? Some of the brightest people i have ever met were high school dropouts, so I don’t put too much stock into grades. Interactions with people are what i base my opinion of them on, not by a grading scale

Some might say that raising the driving age wouldn’t allow teens to get the experience they need to become better drivers. However, co-driving and graduated driving programs both give teens experience without compromising the safety of others. In fact, since the first graduated driver programs were instituted, there has been 1,348 fewer deadly crashes involving drivers ages 16-19. Some states have strict driving laws that require at least 70 hours of supervised driving, a minimum intermediate license age of 17, driving after 8 p.m. or a ban driving on with other teens in the vehicle. Graduated licensing programs restrict these actions until teen drivers have more experience because teens in the first few months of licensure have a high risk of crashing.

At the age of sixteen driving is a coming of age- a transition from childhood to adulthood. With many things the older a child gets the more prepared they are but with driving it is not dependent to a certain age but rather experience. To many American families teen driving is undeniably a privilege. To receive a license as a developing 16 year old one needs guardian permission. If such activity is a privilege to begin with it should come with certain requirements and regulations.

Cheap Car Insurance for 18 Year Olds - The Last Driving Lesson For Youthful Drivers

In the article by donna st. George .titled ‘’Teen are in no rush to drive,”she writes about teenager who are waiting to get their licence.teens other things to do. teenagers have been shuttled to sports, and play dates,they have gotten use to driven around. they say this generation is consumed by facebook,xbox live and smartphones, so the no longer need cars to connect with their friends. New laws make getting their licence to hard or time consuming requiring 60 hours with a supervising adult. So families now have to get money up to 300 to 600 dollars for private driving schools. car insurance and gas as come up a lot making driving very costly.

According to the experts, you can expect your car insurance to get doubles after adding a teenage driver to the policy. This paves the way for you to wonder whether you should add your kid as an additional driver or you should think about getting a new one for him or her. There are multiple Budget Affecting Ways, in which a teenage driver can harm your

The level of precautions used when driving is based on an individual’s skills and mind set, not on their age. However, car insurance companies do not view it this way. They assume that due to their age, young drivers will not pay attentions to what they are doing and are more likely to get distracted by friends, music, or cell phones than their older counterparts would be.

Your driving record: People with traffic tickets or who have filed auto insurance claims will usually pay higher rates. Slow down and drive carefully.

This shows that teens do not take driving seriously and also do not realize what can happen to them if they continue with bad driving habits. In fact, insurance rates are high enough as it is for teens now. If they get into a car accident, the insurance rates will sky rocket, their parents may have a hard time being able to afford the insurance. Traffic crashes are the leading cause of fatalities for teens. As stated in a magazine, “Drivers ages 16 to 19 are four times more than likely than older drivers to crash” (Brophy). This quote shows that teen drivers are involved in more traffic accidents then older drivers. It has much to do with the young drivers not being safe and making horrible choices while they are driving or in the car with another person. If teens engage in the driving education course, they will definitely become more knowledgeable about all the safe ways to drive when their parents do not have to ride with them anymore. Teen drivers are involved in many car accidents due to unsafe driving habits. A course on safe driving will give the young driver behind the wheel more experience.

     In responding , one can say that teenagers always complain about the ¡§grown up¡¨ world and its rules. Teens find it rather hard to be part of the grown up worl until they have the licence to go out on their own. Basically, the whole concept of graduated licencing is not so complicated. There are only a few changes: 1) There must be a fully licensed driver beside you with at least four years of driving experience in the G1 level. 2) There is a year waiting period between the G1 level and G2 level. 3) New drivers may only drive in cities, not on highways, and only during daytime hours. Even though there is a 1 month waiting period between G1 level and G2 level, it can be shortened to 8 months by taking a driver¡¦s insurance training course. During this course, the driver will learn more about techniques on driving, and it will cost less when getting car insurance later on.