Teens are getting the poor end of the deal when it comes to insurance. Not only do they have poor credit, are less likely to be married, and are more prone to crashing- they can do hardly anything about it! They will be scrutinized by insurance companies left and right, although there are some small things to do to help reclaim some breaks in expense.
Adults and teenagers differ in many ways, but to insurance agencies they differ mainly from driving experience. A driver is only going to get experience by being out on the road and driving as much as possible. If a teenager can keep his or her track record clean, they'll be able to lower their expenses in a few years. But even one mistake can mar the reputation of the teen for 3 to 5 years.
Marrying another is a good way to get a small to moderate discount on one's auto insurance. It won't be enough of a discount to warrant marrying solely for saving a few dollars each month, but it is certainly icing on the cake. Teens will usually not get this discount unless they marry early, sadly.
It seems rather unfair that some teens get penalized for speeding tickets. Speed traps exist in which cops will expoit road conditions to get drivers to speed, and likewise give them a ticket to meet a quota. Since younger drivers don't spot speed traps as easily, they are prone to speeding tickets on a more frequent basis. And as luck would have it, getting one will dramatically increase one's premium to the point where it's almost unpayable.
Students who make a "B" average or higher, whether in high school or at a university, will get a small discount. The discount won't make up for something such as a speeding ticket, but every little bit helps. Getting named to the Dean's List or being part of a special organization will also warrant some types of discounts at certain agencies.
Before one's high school career is over, the student should make an effort to join a driver's education class while it's still free. If one's location doesn't offer such classes during Summer months, be sure to investigate options with one's community. Having a driving instruction class won't save a large amount of money, but again, students will value every bit of money they save.
Closing Comments
Auto insurance for teenagers is frustrating- to the point where it just gets ridiculous among some insurance agencies. Knowing which agency is going to penalize and which isn't is the goal. Achieving this goal will come via searching online and visiting local resources- or even talking to an insurance broker. Whatever the case, always shop around for the best rate, and try to find an agent who realizes not all teenagers are lemons.
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