Best Ways To Get Cheaper Car Insurance For Teen Drivers - Insurance News Net

Posted: 29 Mar 2020 12:34 PM PDT

Los Angeles, CA (PRWEB) March 29, 2020

Cheapquotesautoinsurance.com has released a new article that explains how teens can get cheap car insurance.

For more info and free car insurance quotes online, visit https://cheapquotesautoinsurance.com/how-to-make-teen-car-insurance-cheaper/

Teen car insurance premiums tend to be very expensive. Lack of experience and certain risky behaviors associated with teenage results in teens being considered high-risk. However, there are few ways to reduce the premiums:

Get better grades. Teens with good grades will benefit from a car insurance discount. They are seen as more responsible for insurance companies. Furthermore, it is assumed that a teen with good grades spends more time studying instead of going out and partying. Thus, he is less exposed to accidents. Online questionnaires ask if the teen has at least a 3.0 GPA (B average). Proof of good grades will be required. The company may also ask to prove that the student is on the Dean's Honor List. Bring report cards and signed documents. A good-grades student discount may save up to 15% of the insurance costs.
Graduate approved defensive driving courses. Graduating an approved defensive driving program ensures another discount. Besides that, the driver can offset some license points, thus keeping premiums low. When getting online quotes, most questionnaires ask about completed courses or if the client is willing to participate.
Choose a safe car to drive. When buying a new car, it is important to check its safety ratings. Although it may be tempting to get a speedy, sports car, this will make the premiums extremely expensive. Since a powerful engine and an inexperienced driver does not make a good combo, many insurers will even refuse to provide coverage.
Look for customized contracts. Insurance companies can issue special contracts and cheaper premiums to teens. But the teen has to agree to always wear a seatbelt, do not consume alcohol or drugs and drive, limit the maximum mileage and other conditions. Teens that consider themselves good drivers should apply for UBI coverage.

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://cheapquotesautoinsurance.com

Read the full story at https://www.prweb.com/releases/best_ways_to_get_cheaper_car_insurance_for_teen_drivers/prweb17013654.htm

At What Age Does Car Insurance Go Down? - Motor1

Posted: 29 Mar 2020 07:51 PM PDT

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Learning to drive is a coming-of-age milestone for many teens. It can be a fun and exciting experience that comes with more independence. However, adding a young driver to your car insurance policy will almost always raise your rates. You may be wondering: What age does car insurance go down?

Keep reading to learn more about how age affects car insurance rates and what you can do to lower them (outside of having another birthday).

When it's time to shop for an auto policy for your family, check out our review of the best car insurance companies. And remember that no matter your age, you should always compare auto insurance quotes from several providers so you can find the best coverage and price for you.

In this article:

When Does Car Insurance Go Down?

Because young drivers – especially teens – pose a higher risk for getting into accidents than other age groups, their insurance rates are higher. But what age does car insurance go down? The cost of insurance tends to go down around age 25, but that depends on your driving record.

Why Auto Insurance For Teens Is So Expensive

When you add a teen driver to your insurance coverage, you can expect to pay a higher premium. Car insurance rates are determined by the amount of risk a driver poses to an insurance company. This risk is determined by average driver statistics. Insurance companies want to protect themselves, so they charge a higher rate for drivers who are more likely to get into an accident, file a claim, or get a moving violation.

According to the Centers for Disease Control and Prevention, a person's crash risk is the highest during their first year of driving. 16- to 19-year olds are nearly three times more likely to be in a fatal crash than drivers age 20 and older. They have less experience driving, so they are more likely to have an accident on average.

Crashes with teenage drivers in America are often the result of the following:

Inexperience with driving
Distracted driving
Driving with other teenage passengers
Impaired, reckless, or drowsy driving
Driving at night

Despite the fact that teens pay more than adults for high-risk car insurance, you can still shop around for rates within your budget. Explore some of the top options in our review of the best car insurance for teens.

Discounts For Teen Drivers

To save money on car insurance, many families consider enrolling teens in safe driving programs or drivers ed courses. These programs are built to notify drivers when they are doing well, as well as where to make adjustments to improve safety. Most insurance companies offer discounts to teens who complete these programs successfully and show signs of safe, responsible driving.

Some providers offer a good student discount to reward teens for maintaining good grades while they learn to drive. Others have a discount for college students that don't take their vehicles to school with them.

Does Car Insurance Go Down When You Turn 25?

If you're a young driver or the parent of a teen, you may be wondering when you can get some relief from high auto insurance rates. At what age do car insurance premiums go down?

Auto insurance rates can decrease when you turn 25, but each person's individual driving history is a deciding factor. Speak with your auto insurance agent to understand your premium and learn your options for an age discount.

Experience And Safe Driving

Many drivers see decreases in car insurance rates after they gain more driving experience, avoid getting tickets, and avoid accidents. Unfortunately, there is no guaranteed time when car insurance rates will go down automatically. It all depends on the amount of driving experience you have and how long you maintain a safe driving record.

For instance, if you get your license right when you turn 16 and maintain a clean driving record for a few years, you should start to see lower rates once you reach your mid-20s. However, if you get your license later in life, like at age 23, you might not be eligible for lower rates once you turn 25. This two-year driving history may not be long enough to prove to insurance companies that you have lowered your risk.

To maintain a clean driving record, keep these safe driving tips in mind:

Limit the number of other teen passengers and distractions. Never drive with your phone in your hand or while eating.
Practice with a parent to master good driving skills. Drive in different conditions like rain, after dark, during heavy traffic, and more to become comfortable on the road.
Continue learning as a passenger. Pay attention to how adult drivers handle various situations on the road, and keep them in mind when it's your turn to take the wheel again.
Stay up to date on driving laws. Make sure you're compliant in your city.

Does Car Insurance Go Down When You Turn 30?

Maybe your rate went down in your mid-20s, but now you're approaching another milestone. At what age does car insurance go down in your 30s?

Many auto insurance companies decrease rates after you turn 30 because you've gained many years of driving experience. However, like turning 25, turning 30 does not automatically qualify you for a discount. Your insurance provider will look at the number of years you've been driving and your driving record in recent years. This will help determine any changes in your premium.

As you gain experience and continuously drive without accidents or tickets, you're more likely to see a decrease in your auto insurance rates.

How Insurance Rates Change As You Age

When you are young, you may see a decrease in car insurance rates each year you drive without getting moving violations or filing claims. Rates generally decrease as adults reach their 30s, 40s, and 50s. Mature adults pose less of a risk to insurance carriers, and they are often rewarded with savings. Having years of experience and proving you are a good driver is a positive sign for insurance companies.

Unfortunately, rates may go up again when you become a senior over 65 years old. Elderly people are considered high-risk for auto accidents, as their physical abilities begin to change. For instance, impaired vision or physical ailments like arthritis can affect the ability to drive safely. Still, some companies offer a discount for senior drivers.

The cost of auto insurance varies by age and state, so you should do your research to learn what you can expect from your insurance premium as you get older. We recommend getting multiple quotes to compare your price options:

What Else Affects Your Car Insurance Rate?

In addition to age and driving history, here are some other things that can affect average car insurance rates:

Gender
Location
Marital status
Credit score
Type of car you're insuring
Safety features on your vehicle

While many factors like age and gender are out of your control, there are still many things that could qualify you for lower rates. For instance, married couples often pay less than single individuals.

You can also lower your car insurance premium by maintaining a good credit score. Make sure to pay your bills on time and work to reduce your debt. Next, the area you live in will impact your rates. Living in a metropolitan area with dangerous driving conditions or heavy traffic may mean you'll pay more than someone in a less populated small town.

Last, sedans and family cars are generally less expensive to insure. That's because they are relatively cheap to repair and safer on the road. On the other hand, foreign and luxury cars are considered a high-risk for car insurance companies because parts are expensive. These cars are also more susceptible to theft and reckless driving.

Regardless of your age, you should shop around to find the best car insurance rates. Each company offers its own benefits and value, so it's up to you to decide what you need from your insurance provider.

We reviewed the top insurance providers in the nation to determine which is the best in customer satisfaction, industry reputation, price, coverage options, discounts, and more. Geico, Progressive, and State Farm were three of the highest performers, and we recommend getting auto insurance quotes from each of them.

Geico: Best Overall

Geico auto insurance is a great choice for families with young drivers. The insurer has family pricing plans, as well as discounts for good students and safe drivers. With 24/7 customer support, Geico has a good reputation in the industry for supporting customers.

Teens like Geico's user-friendly mobile app that allows you to manage your account. You can also take advantage of useful tools like monitoring vehicle maintenance needs and locating gas or parking near you. You can even integrate the app with Amazon Alexa to use voice commands.

Geico offers affordable rates for traditional car insurance coverage, as well as add-ons like roadside assistance. Overall, we gave Geico 4.5 out of 5.0 stars.

Progressive: Best For High-Risk Drivers

Progressive car insurance is another great option for teenage drivers. The company offers many discounts for things like maintaining good grades and adding multiple cars to your policy. This can be a great help to families with teens and two or more vehicles. Progressive also offers usage-based discounts, so you can pay less when a car's annual mileage is low.

Because of Progressive's strong reputation in the industry for customer satisfaction, it earned a 4.5 rating in our review. Progressive has a responsive website and mobile app to access account information. Get a quote from Progressive for a variety of auto insurance coverages, including add-ons like gap insurance.

State Farm: Best For Students

Widely respected across the country, State Farm offers discounts for keeping good grades, being a safe driver, and bundling multiple policies. The auto insurer even has helpful programs in place specifically to support teen drivers during their first years behind the wheel.

State Farm earned a 4.5-star rating in our industry review. The company has a reputation for low average premiums, great customer service, and easy claims processing. State Farm provides standard coverage options, as well as roadside assistance and rental reimbursement.

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