(EMAILWIRE.COM, September 24, 2009 ) Los Angeles, CA - As exciting as it is for a teenager when the day comes that they get their driver’s license, the same amount of joy may not be shared by parents. This is because they are well aware of how expensive it can be to insure a brand new driver. Unfortunately, those of the age of sixteen are charged a considerably higher rate than more mature. This often makes the idea of insuring a teen a day to dread, but with some knowledge on how to go about effectively finding cheaper rates, teens can find policies that are affordable.

The primary reason that car insurance for 16 year olds is more expensive than older drivers is simply because of their relative lack of experience behind the wheel. This lack of experience tends to put them at a higher risk of having an accident than older drivers and is supported by many studies and statistics.

By visiting http://highwaysafety.ky.gov/files/tip_sheets/youngdrivers.pdf one can see that the that the leading cause of death among teenagers is traffic accidents and they are three times more likely be involved in a fatal crash than older drivers. This is an unfortunate statistic, but it is with great reason that parents teach their children the importance of safe driving.

However, although they may be looking at higher rates for coverage, there are a few methods of saving. Most insurance companies offer what is known as a good student discount that gives up to 20% off of premiums to those who maintain a “B” grade point average or higher . Insurers believe that a student responsible enough to work hard and maintain good grades is more likely to drive responsibly.

In addition, there are different types of safety and defensive driving courses that 16 year olds can complete to also receive a discount. As important as savings may be, these classes will also teach new drivers valuable skills and knowledge while behind the wheel to put into practice and help keep them safer while driving.

Another method used by many families to help keep the rates for youths manageable is adding them to a parent's policy if it is cost effective. The best way to determine whether it is cheaper to add a teen or get them a policy of their own is to simply obtain a quote from the parent’s current provider and get multiple quotes from various carriers and complete a comparison to see which is more beneficial.

For more information about finding the best deals on auto insurance for 16 year olds, visit http://www.onlineautoinsurance.com/learn/how-much-is-car-insurance-16-year-old.htm for helpful tips on how to lower premiums and obtain free quotes to help find the most affordable companies for young drivers.

Contact Information:
Online Auto Insurance, LLC
John Pirro
Tel: 909-912-1855
Email us