How Much Is Insurance For A 16 Year Old?
If you have a child who has just reached driving age and is about to hit the roads on their own
, you need to know how much it will cost to add them to your insurance plan. If you are wondering, how much is insurance for a 16 year old, you should be prepared for an answer that is much higher than your own.How much you pay for this service depends greatly on where you live and can range from state to state. If you pay somewhere around five hundred dollars for your own insurance, you can expect to pay at least eight or nine hundred dollars for your teen's.
The other factor that will make a difference is if they have proven themself to be a safe driver, that is reliable despite what the rest of the kids his or her age are doing. For a driver that has never been in an accident or gotten a ticket, the rates will be much lower than one that has these negatives on their permanent record.
Once a teen has gotten a ticket, the rates for them will probably rise by at least one or two hundred dollars, if not more. If they get into an accident, no matter how mild or minor and whether or not it was officially their fault, the cost will at least double what it was before.
These companies do not want to take any risks with a teenage driver because they have such a bad reputation for being reckless and inexperienced. In general, most accidents are caused by someone within this age range and insurance companies are aware of those statistics, so the second they see something that is not right, they are quick to act.
One way that your son or daughter can lower their own rates is by being a good student because kids that perform well in school are generally more responsible and cautious overall. Although this does not always go hand in hand, records have shown that it is likely to affect their sense of responsibility and performance on the road if they care how they do in school. A good report card shown to your policy holders can save you about ten percent on your teen's costs.
The best way to find out how much is insurance for a 16 year old is to check into listings for your local area. The exact prices will vary from place to place, but the basic concepts are the same. If they are a safe driver and responsible in general, then you will pay much less.
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