Insurers commonly issue car insurance for "Under 25" drivers at much higher rates than all other age groups. It's easy to understand that this happens because of the substantially higher accident rates for younger drivers – especially teenagers, due mostly to inexperience. Single young men and teens under age 25 are involved in the most crashes.
There are ways to help the under 25 driver improve on these shortcomings, and also save money on car insurance at the same time. They must maintain a satisfactory driving history to get better insurance rates.
First of all, it's important to take the training your young driver needs very seriously. They need help to develop the needed driving experience and calm confidence for properly handling an automobile. It's important to be patient with the new driver while practicing various skills. Start training them in a low traffic area such as a parking lot so they can start out getting the feel for acceleration, braking and turning as they begin to learn how to drive. Graduated to streets with small amounts of traffic, and practice often so they can build upon their new knowledge and confidence. The important thing for parents to remember is simply make the new driver training a priority, be active in the process, and supportive.
Additionally, on line tools are available to assist you with the coaching process. Nationwide currently has a system accessible on its website called SmartRide to help teens learn how to become better drivers.
It is also advisable for the under 25 driver to take a defensive drivers training class. Not only will this help them become a better driver, insurance companies will provide a discount in most cases if this is completed successfully.
If your autos have safety features such as anti-theft devices, abs brakes, and airbags, there are policy discounts available. Insurers also offer premium discounts on car insurance for under 25 drivers, which should all be taken advantage of. These include a good student discount to maintaining good grades ("B" average or better), and a distant student discount for being away at school without the use of a car.
Keeping the young driver on the family insurance plan longer and selecting larger, more modest autos – preferably not brand new, are additional strategies. Avoid preventing your teen to drive luxury vehicles, high performance cars, large SUVs, small lighter cars – these all increase insurance rates due to added risk.
If a driver under 25 gets married, this will also allow for lower rates. Once the young driver turns 25 years of age, have him or her request new lower rates from the insurance provider.
These suggestions should lead to car insurance savings up 20% or more, which can make a huge difference in the family budget!