Once a teenager reaches legal driving age, many parents begin to wonder how much is car insurance for a 16 year old going to cost. The price of vehicle coverage can differ depending on the motorist and the insurer, but generally young and inexperienced drivers are charged more for auto protection for several reasons. Policy prices are primarily based on accident risk, and numerous studies have shown that younger drivers, especially those under the age of 25, are more likely to be involved in an accident than drivers in any other age group.
Automobile accidents are the leading cause of death for motorists between the ages of 16 and 19. Additionally, an increased tendency to take unnecessary risks and a general lack of experience behind the wheel has lead to thousands of teen related accidents every year. In response to these statistics, insurers typically raise insurance rates for younger drivers to compensate for the added risk of having to pay out a claim.
Although premiums are likely to be higher for teens, there are steps that both younger motorists and parents can take to help cut coverage costs. Insurers often interpret risk differently, and as a result, some companies may offer lower rates than others. To find an affordable policy, teenage motorists are encouraged to compare as many quotes as possible. To efficiently amass sample rates, drivers can use helpful online resources to gather dozens of estimates from a single source.
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