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How Much is Car Insurance for a 16 Year Old

How Much is Car Insurance for a 16 Year Old

Car insurance is one of the necessities if you own a car. But keep in mind that the price of the insurance isn’t really fixed. It depends on your age, the area where you live, how long you have been driving for and to a certain extent your grades as well! Now the youngest on the roads are the 16 year old and they have a huge burden for car insurance. Although you will find that the price of car insurance differs from teen to teen, you can get insurance for an average of around $200 to about $300 a month.

Factors that Determine How much is Car Insurance Rate for a 16 Year Old

Now the first thing you need to know before finding how much car insurance for a 16 year old will take is the factors which determine it. These include various things like the gender and records of any sort of prior accidents, his or her occupation, how many miles have been driven, credit rating and so on. Now the most important determinant of car insurance is age. Because of this car insurance for 16 year olds are very high.

The insurance rates among 16 year olds again differ. The first aspect of this difference is the gender. Girls and boys really have different rates of insurance because of the probabilities of accidents. Studies have shown that male drivers usually drive more than females during the age of 16 to around 23. Hence the insurance rates for boys are a lot higher than girls. Plus boys also drink in situations where they are drunk or are very tired.

How to Get Best Cheap Car Insurance for a 16 Year Old

Now if you really want to lower the rate of car insurance for 16 years old, then there are a few things which can help you. For starters you can try and have a good grade. Believe it or not, this actually helps in lowering the premium of car insurance for a 16 year young driver. If you can manage to maintain a grade of an average of a B then your insurance rates might just drop off by 5 to even 10 per cent. This isn’t very hard to do, is it? But then again, this prevails in only a few states and only with a few of the insurance companies. You need to find out if you are eligible for it.

Now if you find that your parents have a manageable insurance rate then you can be clubbed up with your parent’s insurance scheme. This actually makes car insurance for 16 year olds a lot cheaper. But you need to make sure that your parents have good credit. Another good way of recuing the amount of car insurance for a 16 year old young driver is by making the right choice of car.

If you have a car which is practical and self reliable then you don’t have a pay a lot for your insurance. Now this is really helpful especially if you are a new driver trying to get insurance at a lower rate. Finally you need to show proof that you took a lesson in driving from a proper school and this will also help in lowering the rate.