17 year old car insurance

17 year old car insurance

How Much Is Insurance For A 17 Year Old | Cheap Online Insurance

Here's How to Discover Low Cost Car Insurance For 17 Year Olds

How to Get the Best Rate (In a Nutshell)

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

The Newbie Mistake That Can Cost You Dearly

The number one mistake made by cheaper car insurance for 17 years old seekers is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.

The single most critical factor in getting an affordable automobile ins rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.

Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

Here are your options for obtaining affordable automobile insurance For 17 Year Olds

Driver insurance for teens are never really inexpensive or low cost. Seventeen-year-old drivers just don't enjoy the maturity stage and driving knowledge to be approved for reduced insurance charges. Actually, 17 yrs motorists are usually participants of the top cost group regarding drivers autoinsurance. Nevertheless, there are some strategies you are able to reduce the price of covering a young driver. Thus, follow this suggestions about how precisely to save just a little money whenever covering your own 17 yr old driver.

In case the teenager desires to drive, ensure it is a requirement that they will get good grades. Explain to the young driver that their very own opportunity to drive an automobile depends on their capability to allow you to get lowered premiums when insuring your automobile.

When the young student driver has the ability to sustain an A or B average during school, the majority of ins providers may compensate them with reduced insuring costs. Insurers are usually entirely aware that students who study hard and obtain fine grades typically make significantly safer drivers as compared to students who usually do not. Therefore, motivate your kids to obtain good grades and get a 10% to 20% lower price on your automobile rates once you include them to your own policy.

Just before you start letting your young driver drive a car, make certain that they join and complete a driver's education training course. Just like having decent grades, a new driver could be eligible for cheaper premiums once they have finished a driver's education course at their high school. Driver's education and learning classes teach good, safe driving practices that insurance companies value and compensate with 10% to 20% car insurance reductions.

Affordable Auto Insurance For 17 yr Old Male Video

One of the initial concerns your motorcar or truck broker professional will probably check with you whenever you include a younger driver in your insurer policy will probably be how often the teenager is going to be driving the car. Yet another question the agent may ask is have they got work and just how far is it far from home. The main reason the agent requests these types of queries is simple - the less distance they drive, the cheaper the insurance rates is going to be.

Thus, restrict the quantity of time which they spend driving. When the teen wants an occupation, get them to look for a job which is fairly close to your house. Additionally, restrict how many days they are permitted to drive to school. Persuade car-pooling among the student driver and their buddies to help reduce the number of miles driven each week. The fewer hours your young driver is actually traveling, the a smaller probability they have got of being associated with an auto accident, that may lead to reduced insuring costs.

How much would insurance be for a 17 year old? Probably the most critical factors in finding lower insuring costs for the young driver is picking a cheaper car. Whilst they may clearly wish to drive the hippest or trendiest machine which might be afforded, select some thing more practical. Be informed that one may buy the sports vehicle of their desires once they get to age 25 when their rates drop. Meanwhile, keep them in something less expensive-both to have and also to insure.

Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.

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Suppose you need to have a shorter term policy, for instance one month, there are clever ways to lower your premiums for those short terms you seek, look for example here for a clever strategy to minimize your rate: cheap month to month car insurance. Is your son or daughter under 25 years old and you seek an affordable rata? look no more. There are ways to lower ins premiums even for younger drivers that are often subject to higher rate due to the fact that they are considered higher risk be insuring companies. look here for a little known strategy to get reduces rates: cheap car insurance for new drivers. Are you stressed with money and are looking for quotes that does not require cash advance down payment? here is an interesting article that will provide useful information for your situation: no deposit car insurance companies. Suppose you are looking for a list of insuring companies that provide comprehensive policies at affordable rates plus you want the list to only feature top insurers, now here's where you can find what your wish for: list of car insurance companies.

How about new drivers that are over 25 years old? this calls for a specific and relatively rare situation, as rates for new drivers are usably higher that older driver, while here there is a new driver that is older than most first time drivers, now here is some helpful tips to suite this issue: car insurance for new drivers over 25. For some the best policy term is six month, are you looking for the best quotes for a half year term? well, look no more here are some insights that will help you locate the low cost rates to fit your exact wishes: cheap 6 month car insurance. Are you the proud (and soon to be worried) father or mother of a 15 years old who got his/her new Lerner permit and looking for your option as for the best insuring options? find here relevant information to help you discover the least expensive options for your kid driver: Car insurance for permit drivers.

Getting quotes from brokers or companies that does not require down payment is rare to nonexistent, no upfront deposit simply does not make sense for insuring agents from a business point of view, still that does not to say that there are no options for you to get affordable rates that will fit your tight money situation, see here for some helpful tips and strategies: cheap no deposit car insurance. Drivers that are under the age of twenty one year olds are considered by insurers as a potential risk, for this reason insuring companies tend to charge a risk premium rate to cover their perceived increase risk, so if you are a dad or a mom to a young driver that is under 21 years old be prepare to get higher quotes than what you were accustomed to for the older member of the family. Still among the various insurers there are some who will provide you with lower quotes than others, now here is how you locate the best options for your just became a driver kid: car insurance for first time drivers under 21.

When you are looking to insure your vehicle, in most cases you will want to seek maximum protection available, that is called full coverage, now although it is more expensive than partial coverage like just risk or a policy with high deductible, it will help you be more relaxed in case of a claim and not stressed, worried how to come with money to replace your damaged car. So here's where you can find a list of strategies to help you locate the best coverage at the cheapest rate possible for your specific location: cheap full coverage car insurance. There will be instances when you will be interested in locating insurers that will be willing to provide you with a shorter term than the usual one year of six month policy term, you may be needing a one day, a week or a one month term, in this case you can find a good low cost insurers in the following article: cheap temporary auto insurance.

are you looking for a no down payment insurers? a broker or an agent that will be willing to provide with a get now pay later kind of car coverage? well this is probably not going to happen as the companies simply do not offer such a policy, however the following article will provide you with several strategies that will allow you to get the most affordable coverage available for your location: buy now pay later car insurance. In rare cases you will be looking for very short coverage duration, like insuring your automobile for one week, it is indeed quite possible to obtain cover for such a short term, here how to locate the best insuring companies for your needs: one week car insurance.

Fact: buying coverage for a first time driver is expensive, insurer companies will charge you an arm and a leg for this. Anyway, your aim is to get the cheapest rate possible even in the framework of a new driver insurance, how you do that? here is the single most import strategy when looking for lower cost quotes for teen drivers: car insurance for first time drivers. So you are looking for companies that will provide you with affordable quotes for you 17 year teen. You know it will cost you as the brokers and agents charge what they call a risk premiums for young adults. However here is how you can minimize your cost by obtaining the least expensive rates available for you depending on your location and the year and make of the car you intend to insure: car insurance for 17 year old.

Insuring teen drivers is expensive, you surly know this. There are however several strategies that you can utilize in order to be able to ease the blow and locate that specific insurer that will offer you the best rate available, here how you do this: car insurance for 18 year old. looking to insure drivers under the age of 25 years is tricky as insuring company look at young folks as a potential risk and tent to charge more, way more for young adult drivers. How much more? it depends on the duration of your driving experience, driver license duration of less than three years is translated into a much more expensive rate than a licenece duration of more than three years. here's how you can locate the best possible cost for a 25 year old: car insurance for women under 25 years old.

Are you considered a high risk driver? if yes, unfortunately you will have to pay an increased rate in order to be insured. So when insurers will consider you a bad driver or a high risk and charge you more? any of the following will label you as a bad driver that may be subject to an increased rate: if you had several car accidents, if you were convicted of driving under the influence (DUI) or Driving While Intoxicated (DWI), and more. Now in all those instances your costs to be insured will be higher than the usual going rates however there are still strategies to minimize your quotes, see here: cheap high risk auto insurance companies.

Tips for 17 years old car insurance quotes

Before you get out of high school, you’ll probably be behind the wheel of a car. At some point you’ll ask, “Why do I need autoinsurance?” The easiest answer is that it’s the LAW!

If you’re headed out on your own.

Get off mom and dad’s policy and get your own policy. Fraud is committed when someone lies to the insurer about who owns the car, who’s driving the car, and/or where it’s kept. If you’re looking to move out, update your auto policy.

If you’re headed to the military.

Some companies offer great discounts to military personnel. There are some companies that cater to the military. Shop around for the best deal. Remember, the company needs to know where you park the car. If you’re shipping out, tell the insurance company where you will store your car or motorcycle.

If you’re headed to college.

You can probably stay on your parent’s policy, but your company needs to know that your wheels is not at home. If you get above average grades, see if your insurance company offers a “good student” discount. You may qualify!

These are generalized statements. You will need to read your policy for specific items and events covered.

• Auto liability insurance pays for someone else’s property or injuries if you are liable, or at fault, in an accident. The policy will list this as bodily injury and property damage.

• Your insuring company pays if the other person does not have any ins. Your policy is required to have uninsured motorist coverage for your injuries. UM does not pay for your car.

• Comprehensive pays you if your car is stolen or damaged by basic acts of nature.

• If you’re at fault, or the other guy doesn't have insurance; Collision pays to fix your car.

Every driver in is required to be “financially responsible”. Being financially responsible means that you can pay for the damage for which you are legally liable.

The minimum liability amounts in an vehicle insurance policy are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $10,000 for property damage. This is typically referred to as 25/50/10. Before you get into an

accident, you may wish to consider more than the required state minimum. Ask yourself this:

“How many cars on the road today cost more than $10,000?”

Giving others your keys Did you know that if your friend wrecks your car, the accident is on you? You are responsible for who drives your car. So, even if you ask your friend if they are insured before they drive, it may not matter. As far as your insurance company is concerned, the accident will go on your insurance record and you will pay the surcharge.

Be careful about who you give the keys to.

If you do not pay your premium before the due date, you have no insurance.

Current law does not prevent an insurer from putting you into a high-risk policy if you have not been insured in the last 30 days. Paying your premiums on time and not letting your policy lapse can avoid this situation.

Be insured - It’s the Law What your policy covers What you should know

A big part of how a company sets the price of your insurance is generally based on where the vehicle is located, who drives it, and how it’s driven. The titled owner of a vehicle is the only person who can take out ins on a vehicle. This is called “insurable interest”. For example: If your Uncle Bob loans you his pickup truck, you will want to make sure you’re covered. But, since your name is not on the title, you cannot get insurance in your name. Uncle Bob will have to do that.

A deductible is a clause in your policy that states you will pay a specific amount of a claim before the company pays.

The higher your deductible, the lower your premium.

If under the terms of your auto loan, you agree to provide comprehensive and collision and you fail to do so, the bank may take out a policy to protect its interest in your car.

These policies typically В do not offer liability insurance

coverage to meet the state’s mandatory liability laws and typically only cover the amount of the loan, not what the car is worth. For your convenience here is a list of the best motorcar insurers: Progressive, Geico, Liberty Mutual, Esurance, Farmers, Nationwide, The General, AARP, Mercury.

If you’re in an accident and your car is “totaled9rdquo; most insurance companies pay the Actual Cash Value (ACV) of your vehicle. A company will search several different ways to find the “actual cash value” of your vehicle. Some of these ways may include: NADA, Kelly Blue Book, CCC etc.

Companies are not required by state law to use a specific source to establish the ACV.

Most states В uses the rules of pure comparative fault. Pure comparative fault allows your damages to be reduced by the percentage you are at fault in a loss. Insurers are allowed to investigate an accident and make a decision as to the percentage of fault of all parties involved. They will make voluntary offers based on this opinion. If you disagree with their evaluation, you can consult an attorney or turn over the matter to your own company to handle under your collision coverage.

50/50 Comparative Fault

Many parking lot accidents end up being half your fault and half the other person’s fault. Parking lots are considered private property where the property owner, not the state, places the lines and road signs. Some of your general road laws do not apply, but common sense does. If you’re in a parking lot accident, get the names of witnesses, take photos, and check with the business to see if they have a parking lot security tape.

What do I do if I get into an accident?

В· Make sure everyone in your car is OK

В· Check the other car to see if they are OK

В· Call the police

В· Get the following information from the

name, address, telephone

number, license plate number, drivers license

number, insurance information

В· Give the same information to the other driver

В· Get the name and phone number of any witnesses

В· Keep a disposable camera in your car and take accident pictures

В· Call your insurance agent as soon as possible

17 Year Old Car Insurance - Insure Your Teen Driver Without Breaking The Bank

Your kid got his driver’s license. He’s proud. You’re terrified because you know that the next step in this American rite of passage are the dreaded words, “Can I borrow the car?” You also know that unless you want to face financial ruin, you’re going to need car insurance for your teen driver, and you’re asking yourself how much is car insurance for a 17 year old?

Yes, 17 year old car insurance is going to cost you. Remember, like all insurance, automobile coverage for your teenager is about assessing risk based probability. In the giant actuary tables of life, teenage drivers don’t stack up as attractive risks. According to the Insurance Institute of America, your 17-year-old is six times more likely to get into an accident than a driver aged 30 to 56! If your teen driver is a male, prepare for more car insurance sticker shock. Young men are statistically proven to have more accidents than young women. Given the risks associated with teen drivers, there almost isn’t such a thing as an average cost of car insurance for a teenager

But covering your assets doesn’t mean you need to cash out the kid’s college fund. Plan ahead for the inevitable and you may be able to realize some teen auto insurance savings.

•Many insurance companies offer discounts on teen car policies to kids who complete a driver’s education program. To obtain the best discount available, check with your insurance company about the programs they recommend. You may also want to shop around to see how competitive other insurance companies are at www.einsurance.com

•Showing proof that your child has maintained a good grade point average (usually 3.0 or higher) may also qualify for a teen driver discount.

•Putting your teen on your car insurance policy as an additional driver rather than buying a separate policy should assure that all your discounts apply to your child as well. Check with your insurer to see if this is the case.

•If your teen gets a moving violation and the judge permits it, have him go to traffic school instead of paying the fine. Sitting through a day of that should serve as a deterrent in the future, and it may keep the ticket off his driving record. Instead of just adding your teen to your policy, it may be worth your while to consider switching insurance companies and looking at the your entire policy covering you and your teen as a package deal and how companies compete – it can be time consuming, but if it means saving money, time is a valuable investment.

If you are in the market for auto insurance and would like a rate quote from some companies in your area, you can get auto insurance quotes at www.einsurance.com/auto-insurance/auto-insurance. While there is no rock-bottom lower insurance cost for 17 year old compared to most other drivers out there, there are several things you can do to lower the risk that your child will be in an accident or get a moving violation:

•Set a good example. If you’re a good driver, the odds are your kid will be, too.

•Look into programs like Students Against Driving Drunk, where kids sign contracts agreeing not to drive under the influence of drugs or alcohol. •Spend time as a passenger while your teen is driving, before and after he gets his license.

•Put your teen driver behind the wheel of a safe, well-maintained vehicle. The family sedan might not be a rad ride, but letting even the most responsible teenager drive a sports car is just tempting fate. •Avoid night time driving and allow your car to be used more during the day

Recent research has shown that many 17-year-olds lack critical mental functions such as emotional regulations, judgment, self-control, and reasoning.

Unfortunately, these factors contribute in a major way to the regular car crashes among teens and the higher car insurance rates for teen drivers.

It comes as no surprise that your premium will rise 50%-200% when you add a 17-year-old driver.

Your insurance company is not ready to cover the increased risk of damages and death without your help.

Lower the Cost of 17-Year-Old Car Insurance Coverage

Still, you can lower your insurance costs. The insights below will help you save money when your 17-year-old gets a driver’s license:

  • Increase your deductible – According to insurance industry experts, you should increase your deductible in order to lower your premiums. When your child reaches the driving age, increasing your deductible can lower your premiums by as much as 40%. It is also smarter to use your premiums to cover big accidents rather than small stuff that you can cover from your pocket.
  • Take driver’s education – Enrolling your teen in driver’s education can save you up to 20% off your premiums. Most insurance companies have instructional booklets and videos on safe driving and may offer discounts to customers who use them.
  • Keep your teen’s grades up – Most insurers give discounts of up to 25% to 17-year-olds who maintain high GPA scores, as these students are considered more responsible than those with average scores.
  • Don’t purchase new cars – Understandably, some parents want their 17-year-olds to have cars with the latest safety features or want to replace their current cars with new ones. However, if you do not want your premiums to rise, avoid buying a new car for your teen or yourself.

Another money-saving option involves taking your teen driver off your policy completely. Take your 17-year-old off the policy when he goes to college. This is only realistic if:

  • You are confident your child will not drive when he’s away
  • He won’t have access to his own car

Otherwise, you will be putting your family in a great financial risk. If your teen is not insured and causes a fatal accident, you could be taken to court end up in financial ruin.

Compare Quotes From Top Companies and Save

Reduce the Cost of Insuring a 17-Year-Old Car Insurance Policy

If you are looking to reduce your premiums, you have to take measures that will also help to keep your teenager alive. They include:

  • Restricting nighttime driving – According to the Insurance Institute for Highway Safety, for every mile driven, the fatal crash rate for teens at night is nearly four times higher than it is during the day. There is also a greater risk of drunken fatalities during the night.
  • Increase supervised driving – Today, over 14 states require teenage drivers to undergo more than 50 hours of driving instruction. Many of them require the instructions to cover nighttime driving for more than 10 hours.
  • Limit Passengers – Teens face a higher risk of fatality when they are driving packed cars, so young drivers need to be mindful of this if they plan to carpool.
  • Do not tolerate traffic rules violations – In some states, 17-year-olds who get a ticket or violate other restrictions in the state lose their driver’s license. The offenders have to take driving lessons afresh. Some violations such as driving while drunk are considered so serious that the teen driver may be denied a driver’s license for more than a year.

Find The Best Teen Car Insurance Company

Getting the best insurance policy for your 17-year-old is simply a matter of shopping around.

You have to compare quotes from different insurers to get a good deal.

Car Insurance for 17 Year Olds

Compare motor insurance quotes for 17 year olds

By Peter Carr on Tuesday 09 January 2018

Car insurance for 17 year olds is expensive, but there are ways to keep the costs to a minimum.

If you are a 17-year-old driver who has recently passed your driving test you are probably looking forward to hitting the road free from your L plates.

But first, you’ll have to buy some appropriate car insurance – and that’s not necessarily easy because insurers don’t like young drivers. Many mainstream insurers refuse to offer car insurance for 17 year olds, or they will charge sky-high premiums.

How much is insurance for a 17 year old?

Average price of car insurance for 17-year-old drivers:

Third party fire and theft

Third party only

Data from MoneySuperMarket for April – June 2017.

It might seem unfair, but the high premiums reflect the high rate of accidents among 17-year-old drivers. The statistics make alarming reading: one in five drivers will have an accident in their first year on the road and 26% of road accidents involve at least one motorist aged between 17 and 24.

How to reduce the cost of car insurance for 17 year olds

Don’t think you can drive without motor insurance because it is illegal, and if you are caught, you could be hit with a heavy penalty.

The minimum legal requirement is third party car insurance cover, which pays out if you injure or damage another person or their property. You can also buy third party fire and theft car insurance, which includes loss or damage to your own vehicle if it is stolen or damaged in a fire.

Fully comprehensive car insurance is the most popular type of policy because it covers the full range of risks and sometimes also includes additional features such as legal expenses insurance in case you are involved in a dispute.

In recent years, third party only insurance has become much more expensive, especially for younger drivers, because they are more liable to have an accident and need to pay out from their policy. Therefore it is always worth comparing motor insurance premiums because you can sometimes find a comprehensive policy with one insurer that costs less than a third party policy with another.

You should also only consider third party cover if your car is old and of little value as the insurance does not pay out for any damage to your own vehicle in an accident, or if your car is stolen or damaged by fire.

Many experts recommend that teenage drivers enhance their road skills with an advanced driving course. It can not only increase road safety but could also lower the cost of car insurance for a 17-year-old motorist as many insurers offer discounts to drivers who have completed a recognised driving course.

The Driving Standards Agency’s Pass Plus scheme is perhaps the best known of these and is specifically aimed at new drivers. But organisations such as ROPSA, the Institute of Advanced Motorists and the RAC also offer driving training.

You usually have to pay for the course, though you should contact your local councils to see if it will contribute towards the cost of your Pass Plus training. You might also recoup the cost through a lower motor insurance premium.

Safer drivers have fewer accidents than reckless motorists. And fewer accidents mean fewer claims. If you don’t claim on your car insurance during the policy year, you can usually earn a discount on your premium, known as a no claims discount, or no claims bonus. The discount adds up with each claim-free year, meaning you could knock 70% or more off your motor insurance premium if you do not make a claim for five consecutive years.

The value of the no claims discount makes it important to consider whether you should lodge a claim for a minor incident if you could afford to pay for any damage out of your own pocket. You can also pay a little bit extra to protect your no claims bonus. You can then normally make a limited number of claims without losing the discount.

Don’t forget that the no claims discount is portable, so you can take it with you from one insurer to another. In other words, there’s no excuse to stick with the same firm at renewal if you can find a cheaper policy elsewhere when you are looking for car insurance for 18-year-old drivers in one years’ time.

Many teenage drivers cannot afford their own car, so they drive their parent’s car and piggyback on their car insurance. But if you are lucky enough to have your own wheels, it might be a good idea to add your mum or dad to your policy as an additional named driver.

Insurers are reassured by the presence on the policy of an older, more experienced motorist and it will probably result in cheaper car insurance for a 17-year-old driver. Only 35% of young drivers have utilised this potentially money-saving tip.

Of course, you should always be honest with your insurer. Don’t put your mum or dad down as the main driver if they only get behind the wheel occasionally. The practice is known as fronting and is illegal.

Technology can come to the rescue of 17-year-old drivers in the form of black box insurance. With this kind of policy, a tracking device is fitted to your car and records when, where and how you drive – and it can have a big impact on the cost of car insurance for 17 year olds.

If, for example, you are prepared to drive only during daylight hours and avoid motorways, you could pay a lot less for your insurance than someone who travels at all times on all roads. A number of insurers now offer so called telematics policies and it is a good idea to compare prices as you may be able to save some serious money – the average saving is £202 for young drivers with a telematics policy.

If you cannot afford to pay your insurance premium in one lump sum, most insurers will let you spread the payment over monthly instalments.

However, you usually have to put down a deposit and there might be an admin charge for the convenience. You might also want to consider short term or temporary car insurance for 17 year olds. But beware continuous insurance enforcement, which basically means that you must insure your car even if it is off the road, unless you have a statutory off road notice from the DVLA.

One of the easiest ways to get cheap car insurance for a 17-year-old driver is to compare prices through MoneySupermarket. Our online service is free, independent and compares car insurance quotes available through the country’s leading insurers in a matter of seconds.

You should also choose your car with care. Insurers rate each make and model into one of 50 car insurance groups – and the cars in group 1 are cheaper to insure than the cars in group 50. To find out more, visit the website www.thatcham.org.

Fit your car with an approved security device, such as an alarm or an immobiliser, and try to keep the vehicle in a locked garage overnight. If your car is secure, it is less likely to be stolen so your insurer should charge less for cover.

All car insurance policies come with a compulsory excess. The excess is the amount you have to pay towards each claim, and could be about £200. So, if you put in a claim for £500, the insurer would pay only £300. If you agree to a higher voluntary excess, the insurer will usually lower the premium. But make sure the figure is affordable otherwise you could end up in financial difficulty.

For more ideas on how you could lower the cost of car insurance for 17 year olds, visit our money saving tips page.

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Cheap Car Insurance for 17-Year-Olds

Being on the edge of adulthood might be scary, but your insurance doesn't have to be

So, why is insurance so expensive for 17-year-olds?

For an insurance company, insuring a 17-year-old driver is a considerably risky undertaking. Statistically speaking, 17-year-olds are more likely to engage in dangerous driving practices, which insurance companies see as monetarily risky investments for themselves. Because of this, insurance companies protect their interests from this risk through higher premiums — which results in you paying more money. Because of this, it shouldn't surprise you the average 17-year-old in 2016 paid an annual premium of $5,403 for insurance compared to the national average of $1,323.

In addition, the age of your young driver, the company you chose, your gender, your location, and what car you drive all affect your premium significantly. So, in order to break down car insurance for 17-year-olds and the best ways to save, we are going to examine all of them. Starting first with your company. Let's get started.

In an experiment to determine which car insurance company was the cheapest for teens, we discovered that Geico provided the lowest rate with all other metrics constant with Progressive coming in second. Our profile was a 17-year-old added to their parent's policy across 5 zip codes in the US. If you don't fall into our specific profile or into the zip codes we surveyed (which is highly likely), use our findings as a starting point while looking at many different companies in order to find the best rate for you and your driver. Because your teen's rate changes so much as they age, we suggest shopping for car insurance every 6 months. Do that here with us.

Our Findings: Car Insurance for 17-year-olds
Average Premium on Family Plan

As your child ages, gender becomes less impactful on their premium. But while they're still a young driver, it's a considerable rating factor as young male drivers as seen as as a riskier customer than a young female driver. They are seen as more likely to take driving risks which can lead to claim payouts by insurance companies. On average, 17-year-old males cost $320 more to insure per 6-month policy period. But don't lose hope! Remember: as you age, the insurability difference between men and women becomes less significant. And in fact, some states don't use gender as a metric for determining car insurance rates.

Average Premiums for 16-19-year-olds

Because insurance is zip-code specific and state-regulated, it will vary based on where you and your young driver live. Generally, most states require a mandatory minimum coverage for others and their property but the monetary amount of this coverage varies. Some states require higher limits and additional coverage that other states do not. Michigan, for example, is a No-Fault state and requires drivers to carry Personal Injury Protection which increases the costs of premiums significantly.

Futhermore, the number of people in your state can also impact your child’s auto insurance rate. States with a low population density, such as Midwestern states like Ohio, tend to have lower premiums than states with more people such as New York. Keeping with the idea of risk management, the more drivers your state has, the more likely you are to be in an accident and insurance companies have to cover that additional risk.

Annual Premium for the Most Expensive States for 17-Year-Olds

The type of car your teen drives definitely affects your insurance rate as it does with anyone. For example, a teenager with a brand new Mercedes is, without a doubt, going to have a higher premium than a teenager with a new Toyota Corolla. As a good rule-of-thumb, any vehicle with a high MSRP will have a high premium, at the expense your insurance company who will have to replace it. So, if you’re looking for a cheaper rate for your teen driver, you should stick to a simple sedan or van.

Now that we’ve talked about why it is so expensive to insure 17-year-olds, let’s talk about ways to save.

Taking a professional driving course that focuses on how to be a smart and defensive driver is another way to save some extra money on you or your teen's insurance premium. While it is a pretty common discount, your insurance company will usually require proof of this such as a receipt. Not every insurance company offers this discount, so ask your insurance company beforehand!

Having above a 3.0 grade point average can save you quite a lot on your premium. Like the defensive driver discount, your insurance company still requires proof every policy period (6-12 months depending on your policy) that you or your student has the requirements. A transcript usually serves as enough proof for the discount to be added.

Average Savings for Defensive Driver and Good Student Discount

Given the costs we've outlined, you may be tempted to get your 17-year-old their own policy to avoid having to pay for their high premiums. But unless your 17-year-old has some insanely high-paying job and can afford to pay nearly $6,000 per year on auto insurance, it's actually cheaper to keep them on your policy. On average, it costs $57 more per 6-month policy period for a 17-year-old to be on their own policy than to be on the family plan. While that $57 doesn't seem like a lot of money, you should be aware that most insurance companies require anyone who is living in your household and is above legal driving age to be either added as a covered driver or removed entirely . . . . So, that $57, is definitely a silver lining.

Keeping a clean driving record for your son or daughter is an absolute necessity. Distracted driving, reckless driving, or being in an at-fault accident can cause serious damage to your car insurance premium at an already expensive time. In a state-by-state breakdown, DUIs and racing (seen on average the most expensive citations) raise insurance premiums at least 40%. Moreover, most insurance companies offer a good driver discount which is dependent upon a clean driving record.

As you can see, there are many factors that go into your child's premium. Because of this, it's important to shop around for car insurance with as many different companies as possible every 6 months to make sure you're getting the best rate. Only with The Zebra can you see hundreds of different premiums at once.

Summary: Car Insurance for 17-year-olds

The moral of the story for car insurance for 17-year-old drivers is that you're going to pay significantly more than the national average for the anticipated additional risk of a young and inexperienced driver. Using the data we collected over 5 companies across 5 zip codes, starting with Geico and then Progressive as well as looking at the discounts we suggested as good places to start for cheap car insurance. Keeping this in mind, the absolute best practice for finding affordable insurance is to look for it frequently — on average, every 6-months. Only with the The Zebra can you get personalized quotes from over 200 car insurance companies at once.

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Cheap Car Insurance for 17-Year-Olds

Looking to drop full coverage

I have a 2011 Nissan Versa with about 95,000 miles in good condition. My 17 1/2yr old daughter will now .

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My son will lose his license for 6 months after getting a DUI. Should I remove him from my insurance? .

Why did my rate go up over $1,000 per year after my daughter’s not at fault accident?

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My 17 year old got into an accident that wasn’t her fault and the other driver took off. Should I .

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