How Much Is Car Insurance For A 16 Year Old

Car insurance is an important safeguard all drivers should have including teens. It is mandatory for all drivers, failure to which can lead to legal implications. If found driving without insurance, a driver can have their license suspended or cancelled, have their car impounded or face a fine. One reason people drive without insurance despite being away of the risks is because of the cost of insurance premiums. One of the factors that determine premiums payable is the age of a driver. Generally speaking, premiums will be higher for those considered highly likely to cause or be involved in accidents. Teens are placed in this group leading one to ask how much is car insurance for a 16 year old.

Teens are placed in the high risk category because they are not experienced and are seen as likely to drive to get to social engagements like parties where they may partake of substances such as alcoholic drinks which would impair their judgment while driving. Teen drivers are also seen to be more likely to over speed and breach traffic rules simply because they are at an age when they want to push the limits.

Fortunately, it is possible to get cheap auto cover for teens. Insurance firms are always in competition to get and retain clients and one way they do this is through the premiums they charge. It therefore pays to take the time to shop around a few firms to get the cheapest rates possible.

You also want to get as much as possible in discounts. Let the insurer know of safety measures taken like an air bag, an anti lock brake and anti theft devices you have installed. Also ask about limited use discounts if the car will only be used to go to school and perhaps a part time job.

Put in all these in an online rate quote comparison form to see the cheapest rate you will find. Ask for a deductible amount of 1,000 to 1,500 US dollars as the higher the amount the better. You will only pay a deductible when a claim has been paid so do not worry about a high amount. The savings that will be accumulated in yearly premiums will overshadow the deductible amount in about two to three years.

Talking to a good, reliable mechanic could also give you a tip about the best insurer to go for as they will have done work payable by insurance firms. They can tell you which ones honor claims promptly and which ones are problematic.