Affordable Car Insurance for Young Drivers

There's something of a Catch-22 when it comes to young drivers and car insurance. Unless a young driver spends some time behind the wheel they can not prove to an insurance company that they are a good risk. They also can not drive unless they have car insurance. For this very reason, young drivers have really no choice but to accept the prices they are quoted.

There are ways to find more affordable car insurance for young drivers and it's a matter of both compromise and commitment. In terms of compromise, young drivers need to understand that it costs less for them to infrequently drive an older car than it does for them to constantly be behind the wheel of a brand new car. This means that if a young driver starts out driving occasionally their insurance rates will be much lower than if they are a frequent driver. The type of car matters also, with newer, more expensive cars naturally costing more to insure.

It's also very important for young drivers to be committed to safety. A great way for parents to get this message to their children is by enrolling them in a driver's training class. These classes generally consist of both classroom time and some in-car instruction. This has two benefits, one is a reduction on insurance rates and the other is a better young driver.

Children who have to pay for their own mistakes are much less likely to repeat them. This is why it's a great idea for parents to have an agreement with their young driver that if a ticket is issued, the child will be responsible for paying that as well as any associated increase in insurance rates. This works as a deterrent because obviously a teenager will have many more interesting things they'll want to spend their money on so they'll be more likely to obey all traffic rules.

Leave a Reply