How Much Would Car Insurance Be For A 16 Year Old
If you're wondering how much would car insurance be for a 16 year old
, it's sort of a loaded question. Insurance doesn't cost exactly the same for every single sixteen year old, nor is every single sixteen year old hit with the exact same extra fees and penalties for the "crime" of being a new driver.We'll be blunt, we're not going to feed you any baloney: You're gonna be paying more than you will four years from now. But here's the good news... There ARE a number of ways to soften the blow. Here are just a few ways to pay a little less for your insurance as a teen.
Get Good Grades
It's silly, yeah. How do good grade correlate with safe driving? Nevertheless, better grades typically means a better rate on your insurance. Furthermore, getting involved with after school activities, sports, things like that, or just having a part time job, that can all help. It shows insurers that you're a responsible young person, and not just some teen looking to joyride with their new license. So, it couldn't hurt to have a 3.0 or better when you go in to get your car insured.
Drive Pre-Owned
Driving a pre-owned car isn't a bad way to keep your rates down, either. Getting a new car means that you have to pay full coverage until the thing is paid off, and paying off a new car can take five years or longer, by which point, you'll be drinking age. Anyways, your first car is SUPPOSED to be a bit of a junker so you can learn how to take care of it. So if you want to save some cash, don't beg your parents to take you to the dealership, rather, ask if they'll help you get a car from the classified ads. You could get a classic and fix it up.
Get it in Mom/Dad's Name
If you really want to save money on insurance, you can co-own a car with your parents. It only has to be their car on paper, of course. You can easily buy a car with their help on the paperwork but be the sole driver. Even if the insurer knows that you're the sole driver, having the parents name on the paperwork shows that there will, at least, be a full grown adult claiming responsibility for the vehicle as well, and that can help knock a few percent signs off the final asking price for getting insured.
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