Teens usually find it quite difficult to find automobile coverage at an affordable rate and in some cases it may be almost impossible for a young person to have the financial capability to pay for car insurance, but the bottom line is that if a youth wishes to operate a vehicle they must be insured. For this very reason it is important that these youthful drivers take the time to understand and learn the multiple ways that they can use on how to locate the cheapest rates to ensure that they are covered at all times while behind the wheel.

When it is time for an individual to buy auto insurance for teenagers and they begin to shop around they will quickly realize that the premiums asked for by insurers can be quite high and there are many reasons for this. First off, these youths have very little experience driving an automobile which leads to vulnerability; as a matter of fact, studies show that motorists between the ages of 16 and 19 are four times more likely to be involved in an accident than older drivers and 16 year olds almost three time more likely than 18-19 year olds. In addition, automobile accidents are the number one cause of death for this age group; for these reasons policies may be more expensive, but fortunately there are a few ways to keep the cost of coverage down.

Ways to Make auto insurance for Teens Affordable

The most effective way for teenagers and all drivers for that matter to get the most inexpensive car insurance is to to shop around. In any given area or state there are tons of companies that offer coverage and rates that each will charge can vary significantly; it is wise to compare quotes from as many insurers as possible before purchasing a policy and although it may take a little effort and time it is well worth it since it can be the best tool that a young driver has to getting the cheapest policy. As a matter of fact, comparison shopping is one of the tips provided in the Arizona Teen Driver’s Guide to auto insurance.

When shopping around teens have many options to choose from in which to get insured. Many younger motorists will be added to a parent’s existing policy; the main reason for this is because it can be much cheaper to get covered with a parent rather than purchasing coverage on their own. When comparing rates, if possible check to see what the difference in price would be if added onto coverage versus buying policies individually to ensure that the best option is found. In addition, as a young motorist compares rates from different companies they should be sure to ask about any discounts that are offered; in some cases a discount can lower premiums up to 20%. The most common discounts offered are the good student discount and a rate reduction for taking a state recognized driving course. For a teenager looking to find the most affordable rate, the best approach is to shop around, compare options and take advantage of any discount that is applicable.