subject: Finding Car Insurance For A 16 Year Old [print this page] Anyone who wants to ever drive a motor vehicle knows by law that they must have auto insurance. If you are a young driver the cost can be quite expensive. Having coverage for any 16 year older is known as the highest price insurance coverage around today. Should you have a 16 year old teenager who is now learning to drive and lacks experience, will be considered a high risk to any insurance company. However, there are ways to get low premium car insurance for a 16 year old that can be affordable.
Anyone who wants auto coverage must understand that the person who is considered to be a high risk must expect the policy to be quite costly. If the young person is a student then he or she can take some classes through any driving courses. By doing this it will help to get lower premiums on auto coverage. These classes can provide plenty of learning for the young teen.
Also a teen can be added on to an already existing policy which can help to keep the premium lower. Many companies will offer a discount towards any additional auto that is added to a current policy. The first car will be charged the full amount and then the second one is provided with a percentage that is taken off from the current monthly amount on the premium.
Many parents now will buy an older car which can also help to keep the premiums lower. An older car that is not fast or bad on fuel does help when it comes time to find affordable coverage for your teen.
But also should you have a newer car then it is a good idea to have a car with safety features as this too will certainly help to get auto insurance at a very lower cost. Some of the features are anti brakes, anti theft devices, air bags and automatic seat belts.
You will find that when looking for low costing auto coverage for teens that the more features a car has the better the chances are that you will find companies that shall offer you premiums for a more affordable cost. Should your car not have any of the features mentioned above you can have these features installed.
In many cases male teens will be considered more of a high risk than female teens, so these is not too much that you can do to avoid this matter. But still even if you do pay a higher amount on the premium you will have the peace of mind to know that at least your teen is covered.
If you have a teen driver in the family it is well worth the money that you will put out to insure them as in many cases parents will take out full coverage on their teen for a car that they will be driving, rather then choosing liability.
by: Lance Thorington
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