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Answered 2013-05-10 04:24:19

According to CDC factsheet, young drivers between ages 16 and 19 are at higher risk of motor accidents than any age group. They account for 30%(19 billion) of the total costs of vehicle injuries. This is the main reason insurance is higher for a young driver than a more experienced driver.

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What company sells cheap young driver insurance?

Esurance is a company that sells cheap young driver insurance. New drivers, particularly young drivers, have higher insurance rates because of their inexperience and immaturity. Teen drivers tend to make mistakes and take risks that more experienced drivers won't. And increased risks translate to increased insurance rates.


Do they sell car insurance for student drivers?

As a young driver you will generally be required to pay higher car insurance premiums than older and more experienced drivers however this does not means its impossible to find affordable car insurance coverage from car insurance companies.


Is young drivers insurance more expensive than elderly driver insurance?

Yes, young driver's insurance is typically more costly than elderly driver's insurance, as elderly drivers are considered to be "experienced". Young drivers are typically considered to be more of a liability.


Why is car insurance higher for young drivers?

there are certain reasons behind the costly car insurance for the young driver 1.the main reason is the less experience of driving,young drivers do not have more experiences of driving the car properly,there are lot of chances for the accidents by the young drivers 2.young driver do not have a good driving record ,,they dont find time to get good driving record 3.insurance company can give insurance on the past record of driving,if person is young and don't have good experienced past driving records,,


How do i get young driver car insurance?

Young drivers get into more crashes than the average adult due to a lack of experience behind the wheel, which places young drivers in a higher risk group. Many online websites will help you compare the new young driver insurance quotes.


Which companies offer affordable auto insurance to young drivers?

Auto insurance prices for young drivers are based on many factors. Is the driver a male or female, does the driver have good grades, does the driver live in a city or out in a rural area. All of these are factors in determining insurance rates. For the lowest cost, a young driver would probably do best to try to get insurance through their parent's insurance bundle.



Auto Insurance for Young Drivers?

Young drivers can face a tough time in finding cheap auto insurance. Drivers under the age of 25 have to effectively prove they can drive carefully on the road before insurance providers will decrease the cost of insurance for them. There are many factors that work to increase the price young drivers pay for car insurance. Some of these factors a young driver has no control over. For example, an insurance company considers a young driver's history of driving in creating an insurance rate. A young driver may have no history at all, which automatically means the insurance company has to charge high fees for its policy. In addition, the location in which a young driver lives may affect his or her insurance policy rate. If a young driver lives in a large city with congested traffic, then it is likely his or her insurance rate will go up. These are just a couple of the extraneous factors insurance companies use to determine insurance rates for young drivers. A few more factors will work to determine a young driver's insurance rate. A young driver's gender always plays into role in determining the insurance rates. Young female drivers are more likely to be cautious and get into fewer accidents on the road. Because of this, young female drivers enjoy decreased insurance rates. Male young drivers will have to pay higher insurance rates. This is the other factor that a young driver has no control over and is charged increased insurance rates for. To cut costs as much as possible, there are a couple factors young drivers can control. The type of vehicle a young driver uses will have an effect on an insurance rate. Sports cars and red cars often affect an insurance policy by increasing its rates. Cars that are flashy have a greater chance of being vandalized or hit on the road. A young driver should choose an economical and basic car for low insurance rates. Another way to cut costs is to get good grades in school. If a young driver maintains a grade point average above a 3.0, many insurance carriers will forward a "good student" discount to the young driver. Having a short commute from home to school is another factor one can use to negotiate a lower insurance rate.


Which companies have young driver auto insurance?

There is a company called Only Young Drivers who specialise in offering insurance to the younger driver. They will carry out a risk assessment over the phone to offer quotes to responsible young drivers.


Will 21st Century Insurance company insure a driver with only a permit?

It is usually not necessary to insurance a driver who only has a permit. Often, if it is a young person, they are covered under their parents insurance. If it is an adult, then they may insure the driver.


What types of factors are included in young driver insurance?

Factors used in young driver insurance include inexperience, carelessness, and the lack of fear for well being. Young drivers cost more to insure because of these factors, it is more likely for them to have an accident.


Where can young people obtain car driver insurance in the UK?

Quinn Direct is one of the largest providers of first time car driver insurance in the United Kingdom. They have very competitive rates that young drivers can afford.


Where can one find the cheapest car insurance for a young driver?

A person can find inexpensive car insurance for a young driver from several different places. Some of these places include Safe Auto, State Farm, and Nationwide.


Do you have to get your auto insurance under your cosigner's auto insurance if they cosign for you?

maybe it will help you - autoinsurance.aains.us/adding-young-driver-auto-insurance-policy/


How does young driver motor insurance differ from regular motor insurance?

Motor insurance for young, inexperienced drivers is always much more expensive. This is due to the much greater risk of a young driver being involved in an accident, and also because they have not built up a safe driving record over a number of years.


What is average cost of car insurance for a teenager in Idaho?

The average cost for a new, young driver is $1,600 a year. Young drivers always have the highest insurance rates.


What companies offer young driver motor insurance?

Several different insurance companies offers young drivers motor insurance. Some of these companies include: Endsleigh Corporation and Quinn Direct Corporation.


Do the insurance companies have to give cheap car insurance to young drivers?

No they do not have to and they generally do not. Young drivers are in a higher risk group which makes car insurance expensive for younger drivers.


How can certain companies offer cheap care insurance for young drivers?

The insurance companies can offer cheap car insurance to young drivers by grouping them into such areas for good grades. They also offer discounts to students with credit cards and clean driving records. They also give discounts to parents who put the young driver as a secondary driver on their policy.



Is it safe start off driving a performance car once got a driving license?

It is the inexperience of the new driver which determines the safety not the car. That's why a new drivers car insurance is so expensive and a much older experienced drivers insurance is a lot cheaper. The new young driver is generally much more likely to have 'Accidents'. My opinion is they are not 'Accidents', rather, they are negligence.


Does insurance cover an unlicensed driver?

A condition of coverage of any auto policy is that the operator must be licensed to operate a vehicle. The requirement affords the insurer assurance that the driver has some skill level, and it can set rates accordingly. Since a newly licensed driver, particularly a young one, does not have a great deal of driving experience, rates are generally higher than those for a more experienced driver. That said, an extensive at-fault collision driving history will increase the rates for even a long-time licensed driver. The insurance premium (the amount charged to the customer) is a function of the rate. Rates are usually subject to approval by the state insurance regulator. The premium is calculated by multiplying the dollar amount of coverage purchased times the rate.


How does a crash impact car insurance?

The result of the crash will be higher insurance rates. The rates will increase by a lot if your son is young.


Can I add my daughter onto my classic car insurance policy?

Yes you can in fact do this. However, because she is a young driver, you will have to pay a lot to put her on your insurance.


Where can one get car insurance for a young new driver?

Nationwide and State Farm provides great car insurance for young and new drivers. One may also add their son or daughter to their pre-existing car insurance provider.


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