How to Get a Cheap Auto Insurance Quote for Young Drivers

Insurance premiums for drivers under the age of 25 are normally higher. This is based on statistics indicating that younger drivers are more likely to drive recklessly and cause accidents than older ones. The younger drivers are thus assumed to be a risky group. Most parents include their children in the insurance cover because the young drivers probably have no income to pay for their own car insurance. Having an extra person on your car insurance can raise the amount of premium. However, it helps to balance out the risk between an experienced driver (parent) and an inexperienced one. It is therefore important to know how to get cheap auto insurance quote for young drivers.

Younger drivers also need to have adequate car insurance to protect them in the event of an accident. Several providers can give you a cheap auto insurance quote for young drivers. Some will offer young drivers who are older than 19 years a bonus for having a no-claim, safe driving record for a year. Before young drivers can acquire their driving license (at the age of 16), they should have held their learner permit for about 12 months and even at this point, there are some restrictions on the license until one turns 18. This includes being limited to driving at certain hours.

One of the points the insurance company considers when calculating the premium is the driving record. Accumulating too many speeding points can result in high premiums. Therefore, if you want to get a cheap auto insurance quote, understand and observe all the traffic rules. Young drivers should know that driving under the influence of alcohol (DUI) is a serious offense. This is not only dangerous, with potentially devastating consequences, but also it can result in suspension from driving. Many states have a zero tolerance policy on DUI and effect strict penalties to discourage the habit. If a young driver is pulled over and found to have blood alcohol content of .02 percent and above, the driving license is suspended for six months.

The other important factor that may help a young driver get a cheap auto insurance quote is taking driving lessons. Some companies will arrange training courses for the driver before selling them insurance. Young drivers can also get a cheap auto insurance quote by getting good grades in school. The insurance company argues that students with better grades are more likely to be responsible.