Why so high auto insurance for teenagers? The question has been asked by many parents of young drivers looking to protect themselves financially from any errors recruit your child may be driving. Although many adolescents may exercise great caution and common sense when driving, insurance companies remain wary of drivers under 20 years. But why?
Stats Don't Lie
Statistically, young drivers are much worse than the equivalent adult. Every year, young people account for a significant share of annual crash, although the number of teenagers who drive in America is lower than for drivers 20 years of age. The insurance companies keep statistics on teen drivers attention. It is estimated that young people are almost 10 times more likely than adults in the car crash, leaving the huge bills and wounded bodies in their wake. He has no experience or youth for negligence, the fact is that young drivers can be pretty bad.
Getting A Better Rate For Teenagers
It is often possible to add a teen to adult policy. The parents of a young driver can choose new ones to develop their own policy to cover the story, the teenage driver. The risk in this scenario is the father, that any accident or incident will increase the premium for all enrollees in politics. For adolescents who are able to use their own policies, it may be possible to reduce premiums based on academic achievement and other markers of liability, such as taking driver's ed courses. The willingness to consider these variables is not yet the norm, but progressive companies are considering doing so with increasing frequency.
Why Be Mean To A Teen?
At the end of the day, insurance companies are not really trust the young. demonstrated by the frequent failure of teens at the wheel has left the care providers to foot the bills. However, a young driver can obtain lower premiums, showing driving skills over a period of several years of adherence to the policy of parents and enjoy the fruits of their labor. If teens can become more responsible as a whole, the insurance companies to deal more favorable in the coming years.