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High Premiums for Young Drivers Car Insurance and How to Avoid Them

Young drivers beware. Car insurance for young adults has sky rocketed for drivers under the age of 25. The reason for this spike in car insurance premiums is caused by the inexperience of the younger drivers. More and more of the younger drivers are getting tickets for a number of reasons and ruining their driving records. With a complete disregard for the rules of the road, more responsible drivers are being punished by being charged higher premiums because of their age. Insurance companies consider younger drivers to be of a higher risk and because of their level of maturity they often result in higher levels of risk taking. Studies show that drivers between the ages of 16 and 19 make up between 75 and 68 percent of driver error fatal crashes in 2008.

Premiums for a 23 year old males with a poor driving record can range from $200 to $500 a month with deposits ranging from $200 to $900 dollars. Insurance companies have made it no secret that they feel that female drivers have been proven to be safer drivers and easier to insure. Women with a clean driving history are more likely to pay a smaller premium versus a male driver in the same age group. Shopping around on the internet can assist in finding independent insurance companies that will lower their premiums for you but looking for the larger named insurance companies can prove to be futile. A lot of insurance companies have implemented discounts for student drivers with a 3.0 gpa’s. Getting good grades in school can help younger drivers drive their premiums down.

To increase your chances of getting a lower premium as a young driver, there are things that you can do to help yourselves. First you can abide by the rules of the road. Traffic tickets hinder you from getting a low premium. Secondly, getting good grades not only assures your future and gives you a greater chance of going to college. It can also help you qualify for the good student discounts that insurance companies provide. Thirdly and possibly one of the most promising fact that can help keep young drivers from paying high premiums is to avoid drinking and driving. Not only will it keep you from paying higher premiums but not drinking and driving will keep you alive and driving.


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