Young Drivers Car Insurance Quotes}

Submitted by: Bryan Alexander Smith

With high school and university graduations upon us, many young adults are headed out to buy their first vehicle but thing is for sure – if the driver is young, the cost of car insurance may be more of a shock to the young owner than the cost of a new car.

Of course, the car does have a lot to do with car insurance premiums. It is fairly common knowledge that it is not cheap to insure a red convertible sports car driven by an 18 year old.

So what should young drivers aim for? Many insurance providers recommend buying a four-door sedan. Sedans, especially older models, tend to have fewer claims. Its also important to consider the cost of fixing the vehicle. Car insurance will be higher for vehicles with expensive parts. Compare, for example, a VW Jetta with a Ford Focus.

A young driver may be yearning for a car for independence, but they are often still living with their parents. This scenario makes car insurance less expensive for the young driver since they can combine their policy with their parents. A multi-car discount can often be applied even when the child is not living at home. Post-secondary students living away from home retain their parents address as their primary residence. Insurers will often maintain the students car insurance under the parents multi-car policy.

Traditionally, young men have paid more for car insurance than young women, but this is changing as the data reveals women and men tend to take similar risks when driving. With these new rules coming into play, do not expect a discount for your daughter.

Whether the young driver is male or female, all new drivers need to take a drivers education course. With new distractions that were not around a generation ago, like cell phones and texting, it is vital that young drivers learn basic safety skills. Insurers may even offer a discount on car insurance premiums for young drivers who have completed a driver education course.

In addition to obtaining a discount on car insurance for the successful completion of drivers education, it is worthwhile for young (and impressionable) drivers to see the perils of distracted driving. Many driver education schools make no secret of the gruesome and tragic results of careless driving. With texts to answer, cell phones ringing nonstop and iPod tunes to shuffle, young drivers are often focused more on what is going on inside the car than one road. A break on car insurance is just one of the valuable outcomes of drivers education.

While spring and summer is the season for buying a car, there is no need to rush. Young drivers who hone their skills while driving the family car will slowly develop good driving habits. Remember, time is a factor when it comes to car insurance. An 18-year-old who just received their license and is shopping for a car the next day will be assessed differently from a driver who purchases their first car at 22 and has seven solid years of accident-free driving experience.

With a little common sense, all young drivers can reduce their car insurance premium. Make a sensible choice when purchasing a car. Most of all, do not rush into buying a car. All young drivers can benefit from practicing with the family car before buying one of their own.

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