subject: Do Not Expect Car Insurance For 16 Year Olds To Be Cheap [print this page] When it comes to buying car insurance for 16 year olds, the costs involved can be pretty high. Though purchasing coverage for everyone is in any case not very cheap, in the case of sixteen year olds, the costs are a lot higher. This is because at the tender age of sixteen, these youngsters do not have the required experience or ability to drive safely. This factor makes the insurer worry that the sixteen year old will soon wreck their vehicles and in this way put a huge financial burden on their shoulders.
Young drivers, including sixteen, generally do not know or choose to ignore/forget basic traffic laws which are why they are involved in accidents so often. An insurer knows this and so will plan for this in a way that ensures that the risks to them are minimized. This is why car insurance for 16 of age is so costly.
It is up to the sixteen year old to prove that they are responsible drivers and that they will follow the rules and obey traffic laws. If they can prove these things, then it is possible that they will be offered a cheaper plan. However, for most sixteen, there is no way that they can prove that they are indeed responsible citizens that follow the rules and obey the laws.
So, when buying car insurance for 16 year olds, it will be unreasonable to expect the insurer to offer a lower rate. This is why a vast majority of sixteen year olds parents are not very keen about paying for their children's insurance. However, with a bit of research it is possible for them to find more attractive rates and plans.
As a sixteen year old, chances are that you will not have a driving record to prove that you are a responsible driver. So, at the outset the rates are going to be high. With the passing of some time, when they can demonstrate and prove their competence and higher level of responsibility, it is quite possible that the insurer will be ready to reduce the premium costs.
To buy car insurance for 16 year olds, it is important to furnish certain details that include driver information (name, DOB, sex and address), vehicle information (year, make, mileage and type of use) and type of coverage required (basic, full, or additional coverage). The insurer will look at this information and the offer a quote based on how they evaluate the risks involved in insuring sixteen of age drivers.
by: Lance Thorington
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