Car Insurance For A 16 Year Old
Are you searching for car insurance for a 16 year old
? This is the minimum age at which you can legally drive a vehicle on the road in the US. When it comes to purchasing an insurance policy for a young driver then you need to be very careful. Most car insurers are only too aware of the statistics that point to newly qualified drivers as being at greater risk of accident, for this reason the quotes are often astronomical, especially when compared to those given to more experienced drivers.The following tips should help to make certain that you do not pay over the odds for your policy.
Understand that you should get as many quotes as you can. The more that you have and compare the better idea you will have on which insurance firms are affordable for young drivers. There are some companies that specialise solely in cover for newly qualified individuals, these can often give deals far lower in cost than any one of the better known firms can provide.
It is often worthwhile for a young driver to be placed on their parent's insurance policy. This will bring considerable savings as compared to starting your own cover. Of course is would not be free of cost, your mom or dad's cover would cost them more if you were included, but nowhere near the amount that would be charged if you had your own policy in your name. Remember that if you have an accident when covered by another person's insurance premium then this will go up in price dramatically if you make a claim.
Even as a sixteen year old driver you may still be able to qualify for certain discounts. For example if you are still in school then if you get excellent grades this can be looked on favourably by the insurance companies you contact. Also if the vehicle you are planning to drive has the latest safety and security features, such as air bags, steering locks, and an alarm, then a better deal can be offered.
Though you may be tempted to splash out on a jazzy vehicle with a large engine this will only result in a higher expense when it comes to getting it insured. It would be preferable to opt for a basic model until you can prove you are a safe and accomplished driver, this would allow you to get a feel for the road conditions.
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