Get an auto insurance quote – Getting a driver’s license can be quite an exciting time for a teenager and through all the excitement the last thing on the youth’s mind is automobile coverage. Usually these youthful motorists just want to grab mom or dad’s keys, jump behind the wheel, pick up their friends and head to the mall. Unfortunately, what they will soon realize is that before they can operate a vehicle, they must obtain car insurance and even worse it can become quite expensive to insure teenagers, but coverage must be purchased in order for the young driver to legally drive an automobile.

There are many reasons why the cost of auto insurance for teens can be pretty expensive; statistically, motorists in this age group have a much higher chance of being involved in traffic accidents than any other age group. According to a brochure that was provided by the state of Arizona, it states that drivers between the ages of 16 and 19 are four times more likely to be involved in an accident than a more mature driver per mile driven. The brochure also states that 16 year olds are almost 3 times more likely to be involved in crashes than that of those ages 18 and 19. In addition, automobile accidents are the number one cause of death for 16 to 19 year olds.

Get Affordable car insurance for a Teen

Right off the bat, teenagers are looked at as a higher risk to insurers and will pay more than their older counterparts; this is due to the statistics that have been compiled and show them as being more likely to be involved in crashes than any other age group. With that being said, there are many steps that consumers can take to make teen auto insurance as affordable as possible. The first step that should be taken is to shop around and compare the rates of as many companies as possible. When shopping around, the teen should see if it would cost less to be added to a parent’s policy or getting covered on their own. In many cases it can be much cheaper to be insured with a parent rather than obtaining their own policy.

If a youth is going to purchase a vehicle, they should consider more economical automobiles that would not be in need of full coverage; the cost of Comprehensive and Collision can make rates increase substantially for a teen driver. The North Dakota Department of Insurance suggests when shopping around, make sure to take advantage of any discount that can be obtained; a discount can help save a significant amount of money. Many companies offer discounts to youths for being a good student (maintaining a “B” grade point average or higher) and some also will reduce premiums for those who have completed a defensive driver course. Also, if purchasing a vehicle, having it added to a parent’s policy may provide a multi-car discount. By shopping around for coverage, comparing options and taking advantage of any applicable discounts, teens may be able to obtain affordable rates.