December 16th, 2009

The teenager shopping for car insurance is at a decided disadvantage. Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record~The best every way for teen drivers to have their rates reduced is to avail of it together with their parent’s policy to obtain more driving experience and a good record}~{The best way for teen dreivers to work their way to a better rates is to avail it with their parents policy to gain more drving experience and a good driving record}~The best every way for teen drivers to have their rates reduced is to avail of it together with their parent’s policy to obtain more driving experience and a good record}~{The best way for teen dreivers to work their way to a better rates is to avail it with their parents policy to gain more drving experience and a good driving record}~The best every way for teen drivers to have their rates reduced is to avail of it together with their parent’s policy to obtain more driving experience and a good record}. You may learn more about online car insurance today and get your online car insurance quotes now.There is a good chance that after three years and a clean driving record that a preferred policy from the parent’s insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There are numerous discounts for the young driver today. Drivers training education is the most common discount. The drivers training course normally consist of 30 hours of driving with an authorized instructor along with 6 hours of classroom work. Some companies give discounts for good students that carry a 3.0 grade point average in high school or college. There is as well a resident student discount available by some insurance. The student has to be living around 100 miles away from home to receive this kind of discount.

Age Rating Tiers – Most Insurance companies have age rating levels on young drivers. The age range from 16-21 is one tier and the rates are the highest by far. The next age tier begins at age 21 and ends at age 25. The rates drop significantly at age 21 and again at age 25.

Automobile make a great difference – The younger the druver the higher the rates. The rates are very high for young drivers on newer vehicles that require collision and comprehensive coverage. Older automobiles that only require liability coverage as a minimum state requirement is one way to cut costs for the teen driver. Utility vehicles like pick-up trucks receive a small discount and the teen driver can take advantage of that discount also. The young driver needs to steer clear off high performance vehicles and sports car since the rates will be very high for these and it may not qualify for standard car insurance.

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