When it comes to shopping for car insurance, a teenager is in a bad position. Car insurance rates depend on your age, how long you've been driving, and your driving record. Teenage drivers can get better rates if they stay on their parents' insurance and build up driving experience and a driving record. There's a good chance that after three years and a clean driving record, the parent's insurance company will be able to give the teen a preferred policy.
When it comes to shopping for car insurance, a teenager is in a bad position. Car insurance rates depend on your age, how long you've been driving, and your driving record. Teenage drivers can get better rates if they stay on their parents' insurance and build up driving experience and a driving record. There is a good chance that after three years and a clean driving record, teen drivers who want their own car and to pay for their own insurance can get a preferred policy from their parents' insurance company. There are many discounts available today for young drivers. The most common discount is for drivers who have taken a course. The driver's education course usually includes 30 hours of driving with a licenced instructor and 6 hours of work in the classroom. Some companies offer discounts to good high school or college students with a 3.0 grade point average. Some insurance companies also offer a discount for students who live in the area. To get this discount, the student must live more than 100 miles from home.
Age Rating Tiers Most insurance companies have different rates for young drivers based on their age. The rates are the highest for people between the ages of 16 and 21, which is one tier. The next age group starts at 21 and goes to 25. At age 21 and again at age 25, the rates drop by a lot.
Cars and trucks make a difference. The rate goes up the younger the driver is. When it comes to newer cars that need collision and comprehensive insurance, the rates are very high for young drivers. One way for a teen driver to save money is to drive an older car that only needs minimum liability coverage. Pickup trucks and other utility vehicles get a small discount, which the teen driver can also take advantage of. The teen driver should stay away from high-performance cars and sports cars because the rates will be very high and these cars may not qualify for standard car insurance.
