How Much Is Insurance For A 16 Year Old
Exactly how much is insurance for a 16 year old
? Well it depends on a number of factors, but the bottom line is that you're going to get hit with a little extra cost than you will, say, four or five years from now. We can't give you any sort of exact quote, as you'll have to talk with the individual insurance agencies for that, but we can give you the basics of why new driver insurance is a little higher, and how you can shave a few percentage points off of the final number.You Have No Record
It's sort of like work experience. Let's say you're the greatest graphic designer in the world, but that really doesn't matter if you haven't found any work in the industry yet. You're going to have to work your way up with low paying gigs, apprenticeships and so on before anyone's willing to trust you with a big project. Same goes for driving. The good news is that you don't have a BAD driving record yet, and if you do, you'll be paying a lot more than a fresh sixteen year old driver, but the lack of a CLEAN record isn't helping you, either. Once you've proven yourself behind the wheel, your rates will start to drop.
Get Good Grades
There are high school dropouts who are incredibly safe drivers and straight A students who can't seem to get behind the wheel without hitting something. But what the insurance companies are concerned with is whether or not you have anything that can prove that you're responsible in other aspects of life. Whatever you have to go on, use it. If you've been holding a steady job for a year, if you're a member of any clubs at school, if you've gotten involved in any sort of activism, it's the same as applying for college. When you're older, they won't care what you do with your spare time, but as a teen, any proof that you're responsible and mature can help you out.
Get a Used Car
When you get a new car, you're going to be paying for full coverage. That, plus the extra cost of being a teen, and you'll be spending probably more on insurance than you are on car payments! If you want to save some money, be modest and buy a nice used car that gets great gas mileage. It may not be the status symbol you want, but if you can't afford that status symbol in the first place, then what is it symbolizing except that you're irresponsible with your money?
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