If you have an 18-year-old that you are trying to insure, then you probably already have an idea of the expense involved. If you are in the market to insure your teenager, then you need car insurance quotes for 18 year olds.
Auto insurance for 18-year-olds is quiet expensive as teenagers have the highest rates in the country. This is because teenage drivers have the highest rate of accidents. This is sometimes due to inexperience driving a car. As such, they are an incredibly high risk for an insurance company. Male drivers under the age of 25 tend to be more aggressive drivers so their insurance will typically cost more than a female driver under 25.
Some people think that driving a sports car will increase their insurance rates, but this is not necessarily so. The type of car that you are insuring does play into your costs, but the insurance company bases your prices on the likelihood that the car will be stolen. This is called the vehicle loss history of a car. Insurance companies investigate how often certain models of cars are stolen and your insurance premiums correspond accordingly.
Another type of car that can impact your insurance premiums are SUVs. The reason is that when you have an accident in an SUV, you tend to cause more damage to the other car than if you were in a standard passenger vehicle.
Although your driving record impacts your insurance costs as an adult, that is not necessarily the case. At 18 years old, your driving record is really too brief to allow a clean record to heavily impact your rates. The facts are that teenage drivers simply have more accidents than drivers over the age of 25. In fact, 25 is the magic age at which your insurance drops drastically. If this seems like ageism, it is not really. Insurance companies use the same techniques FBI profilers do to create their complicated rate information. It is all based upon the probability of the driver and their car to sustain loss or injury.
All this being said, there are still companies who are more affordable than others. The best way to find the best deals on car insurance for your teenage driver is to go to a website that stacks one company against another. This way you can make a comparison and determine which company can provide you with the best rates possible for your specific scenario.
Insuring a teenager driver is quote costly. You definitely want to save money at every possible opportunity. Let’s face it: you’re going to be paying more for insurance until your driver turns 25-assuming they can keep their record somewhat clean in the years prior to that birthday. You might as well try to cut your costs as much as possible. The best way to do that is to comparison shop. A website that compares one company to another is the most time efficient method of procuring that information.
