Facts About Car Insurance For Young Drivers
Let’s face it. If you are a young driver, this means you do not have a lot of actual driving experience and will be more likely to get into car crashes compared to an experienced driver. Insurance companies are fully aware of this, and they charge young drivers accordingly. In fact, you will face some of the highest insurance rates around. If you are a young driver, it is in your best interest to stay on your parent’s policy until you have at least 5 years of driving history. This will cost your family a lot less to have all cars on the one policy than it would to insure your car by itself.
However, if your parents are kicking you off their auto insurance policy because of the fact that carrying you on theirs has made their auto insurance policy close to unaffordable, or simply the fact that they don’t want you to drive their sports or luxury car, then we have a solution for you. Get your own auto policy! But, who is going to insure an inexperienced / your drivers? Let’s take a look:
Cheapest Car Insurance for Teenagers – Top 3 Insurance Companies
1. AllState Car Insurance for Teenagers:
This large carrier has programs in place to specifically help teen drivers save money. Although they promote the teen driver to stay on their parents policy in order to save the most money, they will sell a teen their own policy if that is what they want. There aren’t any actual numbers available to see. You’ll need to make an enquiry based on your personal circumstances. The best way AllState shows that they are here for young drivers is by their efforts to put educational material on their website for parents to share with their teens.
They also have a program called Drive Wise. This program allows any driver, including a teen driver, to hook up a monitoring device to their car. This device will allow AllState to monitor the teen driver for a few months. After this time has passed, and if your teen has proved himself to be a safe teen driver, they will be able to offer you a saving of up to 30% off your policy.
2. GEICO Car Insurance for Teenagers:
This insurance company has made it a priority to help get teens off their parent’s policies and into the driver’s seat of their own auto policy. GEICO has come up with a product called the Family Pricing program.
This program allows a parent to move their teen off their auto policy and on to the teen’s very own policy. The parent will still enjoy all the same privileges and discounts they currently have. This can be a win-win situation for the parent and the teen. However, the disadvantage of that is that the teen will not enjoy the same privileges and discounts as their parent on the main policy.
3. State Farm Car Insurance for Teenagers:
This Company is not the largest insurance company in the U.S, but they have the most independent insurance agents which by far makes them a major player in any line of insurances sold today. It is no wonder State Farm has put some focus on young drivers and even have a program called “Student Car Insurance.”
Young people do not have a lot of money and are typically looking at cheap auto insurance policies. With the above-mentioned program, a teenage driver can enjoy low rates with many discounts to create an auto insurance policy that ends up being favorable for a teen driver.
If you want to know more about other companies who has the cheapest car insurance rates, please click here.
Factfile for Teenage Drivers
Please find attached below a factfile with some statistics on inexperienced / teenage drivers.
- In 2011 more than 1 in 3 (35%) car occupants killed or seriously injured were under the age of 25.
- 46 teenage drivers were killed on the roads in 2011, another 511 were seriously injured and 6313 slightly injured.
- Almost 9000 teenage passengers were casualties in road accidents in 2011. 61 were killed. Many of these would have been in cars driven by teenage drivers.
- 37% of drivers who have had a crash had done so by the time they were 23 years old.
- 47% had their first crash on a single carriageway or in a rural area.
- For male drivers in 2011, the age group with the highest proportion either failing or refusing to take a breath test, following a road accident, was 20-24 year olds at 7%.
- For female drivers in 2011, the age group with the highest proportion either failing or refusing to take a breath test, following a road accident, was also 20-24 year olds at 3%.
The above information clearly demonstrates the risks that are associated with being an inexperienced driver. You should think about defensive and safe driving to avoid being involved in car accidents, which will lead to an insurance claim, serious injuries or even loss of life.
It’s time for you to contact the insurance providers and get the cheapest car insurance for teenagers.
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