New Drivers vs. Experienced Drivers

Does it matter to your auto insurance provider how old you are? Are your rates higher now than when you were in your teens or 20s? Yes. Rates are higher for younger drivers and that is a fact. Why? Statistics.

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Though you may feel that age discrimination is the key factor in high insurance rates for teenagers, it honestly is not the age of the driver that makes the difference – it is the experience. Statistics show that younger drivers (especially those under 20) are more apt to be involved in car accidents and receive traffic violations. The Insurance Institute for Highway Safety (IIHS) statistics show that teenagers are involved in auto accidents more than 9 times more often than drivers aged 30 to 59. This means that younger drivers cost insurance companies more money in claims, and even just the chance of that is all it takes to send your insurance rates through the roof.

All is not lost to you if you are a young or new driver, as far as your car insurance premiums are concerned. There are discounts for which you can qualify. Honor students, for example, may get a discount for good grades. Some companies even offer discounts over time as a young driver maintains a clean driving record. Taking an auto accident prevention course or comparable driving school course will also give you a discount, and you may even pick up a few things you did not know before.

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