If your child turns 16 this year and wants to drive his own car then it is very important for you to find out how much is car insurance for a 16 year old. The rates of premium tend to vary according to the age and gender of the driver.
You need to pay quite a high amount of premium if your child is a teenager. Teenager drivers are always considered to be risky than the adult drivers because they have not reached the complete level of maturity.
The teenagers are also not aware of the fact that how they need to react during difficult situations while driving. The question how much is car insurance for a 16 year old is therefore asked by most of the parents.
According to statistics it has been found that 16 year olds usually have the highest rate of car accidents. It has also been found that these 16 year olds have 3 times more chance to die in a car crash than the drivers of any other age.
This is a major reason for the high yearly premium that you need to pay for them. The major causes of accidents among the teens are cell phones, drinking and driving and reckless driving.
These 16 year old young people actually neither understand the value of their lives nor even the value of other people’s lives. So the answer to how much is car insurance for a 16 year old is actually high. But there are certain ways which can help you minimize the price to a certain extent.
Some Tips to Save on Car Insurance for a 16 Year Old
first thing that you need to do is keep your child away from expensive cars. He might dream of owning a car with great horsepower and speed but this is not the right time for a 16 year old.
These kinds of cars can become the reason for higher premiums than normal because they have the fear of theft as well as of accidents. Once you find out how much is car insurance for a 16 year old you need to find ways to make it more affordable.
A great way to lower the premium of car insurance for 16 years old is by keeping good grades in school. Your child must consistently try to keep the grades above B to receive some student discounts from the car insurance company. This will have some effects on car insurance for a 16 year old.
When the teenager starts driving for the first time he must spend limited time on driving car. You can use the car only to drive in and out of school. This will also lower the rate of car insurance for a 16 year old.
Compare the Rates to Find Out How much is Car Insurance for a 16 Year Old
A good comparison between the quotes offered by various car insurance companies can help you choose the best coverage at an affordable price for 16 year old car insurance. Perform a good research so that you get at least 3 to 4 different quotes which can be compared with the tools available in the website of the insurance company. This will help you better understand how much is car insurance for a 16 year old.