All motorists need to be licensed to legally drive, and in many states, drivers need to be adequately insured to get a license. teenagers with hopes of becoming licensed drivers are often required to search for a company that is willing to provide vehicle coverage before they can become full-fledged motorists. However, finding affordable auto protection as an unlicensed teen may require some extra research. When insurers rate and underwrite motorists, they usually take accident risk into consideration. If a driver demonstrates an increased risk of filing a claim, they are likely to encounter higher premiums.
Being a young and inexperienced driver is often interpreted as also having a high accident risk. For this reason auto insurance for teenagers is usually more expensive than the average policy. Coverage providers determine risk by exploring an extensive amount of information, which includes accident statistics. Unfortunately, motorists under the age of 25 are involved in more accidents than any other age group, and have repeatedly demonstrated a tendency to take unnecessary risks while behind the wheel.
Fortunately, there are ways for younger drivers to decrease their level of risk, and online resources to help compare many quotes from multiple insurers. Unlicensed teens and other riskier drivers can utilize these resources to meet state coverage requirements and eventually obtain full driving privileges.
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