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Finding out how much it will cost to provide insurance to a new driver, especially a 16 year old, can almost be jaw dropping. Insurance companies have decided that because these 16 year olds haven’t had much experience on the road, they will most likely be involved in some type of incident that will result in filing a claim and statistics can prove this. Because of the high chance of this occurrence, insurers go ahead and charge 16 year old drivers a high rate even before they’ve had a chance to prove they will be a safe driver. It’s just the way it goes! However, if you know what goes into deciding the rates of the new driver, you can also learn what to do to help lower the rates.
Determining The Rates What exactly goes into determining the rates of a 16 year old driver you might wonder? It’s the same as how an insurer determines the rates of any driver, honestly. First, the insurance provider will look at the age and gender of the driver, coupled with the residential location and the driving history of the driver, if there is any. These factors are all put together to figure out the “risk level” of the new driver. The younger the driver, the less experience they have and the more risk they have of being in an accident. Young male drivers have statistically shown to be more reckless than young female drivers, and the males are charged higher rates since they are part of more accidents than their female peers. The residential location affects the premium in the sense that if the car is parked in a high crime area, there is a higher chance it will need repairs due to theft or vandalism.
All drivers, both experienced and new, can always be working on keeping their driving record clean and free from accidents and tickets, which will keep rates lower. Learning to always obey the speed limits and traffic signs will help aid them in keeping a clean record. Newer drivers have the disadvantage of not being able to have already proven their ability to drive safe the way an older driver has. There are 16 year olds on the road who do their best to drive safe and not have distractions in the vehicle with them. This is good practice to help them learn the importance of safety and it will also keep them focused on the road and their surroundings instead of a conversation or changing the radio station. Keeping a driving record clean is about the only thing a 16 year old driver can do to help keep their premium charges low. They can’t necessarily change their age, gender, or address which also affects their premium, but they are in control of their driving record.
...www.CarInsuranceInfoSite.com (car insurance quotes comparison ireland) Cheap Car Insurance Quote Comparison, Young, Women amp; Over 25#39;s ...
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Streets of Speed Woman admits to driving with expired insurance KGBT-TV - Jan 01, 1970
table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHw35khWz0RSC6S2RzohADpb801_gamp;url=http://www.valleycentral.com/news/story.aspx?id%3D717069bStreets of Speed - bWoman/b admits to bdriving/b with expired binsurance/b/b/abr /font size=-1bfont color=#6f6f6fKGBT-TV/font/b/fontbr /font size=-1by Ryan Wolf From doing chores to riding bikes, two byoung/b cousins in Olmito like do everything together. They even share the same scary stories about speeders. quot;I usually see the bcars/b come by going Vroom,” 4th grader Hector Arreola said!/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=drOT1a4eE_i8gpMamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table
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The little black box that could save you a fortune on your car insurance... or ... Daily Mail - Jan 01, 1970
table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEgywAVljDqI1V_nL92ppx3ow2Oqwamp;url=http://www.dailymail.co.uk/news/article-2097022/The-little-black-box-save-fortune-car-insurance--send-rocketing-drive-badly.html?ito%3Dfeeds-newsxmlimg src=//nt1.ggpht.com/news/tbn/MT6-cBdiXPjEVM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Daily Mail/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEgywAVljDqI1V_nL92ppx3ow2Oqwamp;url=http://www.dailymail.co.uk/news/article-2097022/The-little-black-box-save-fortune-car-insurance--send-rocketing-drive-badly.html?ito%3Dfeeds-newsxmlbThe little black box that could save you a fortune on your bcar insurance/b or b/b/b/abr /font size=-1bfont color=#6f6f6fDaily Mail/font/b/fontbr /font size=-1Traditionally, bwomen/b have enjoyed lower binsurance/b premiums than men — particularly byoung/b men — because, statistically, they are safer bdrivers/b. But that will come to an end in December when a European Court of Justice ruling comes into effect banning b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=d7NMmpThXEBLisMamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table
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Rising costs means car ownership dropping among the young Mirror.co.uk - Jan 01, 1970
table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFamGrJw1nzaHF1zCas60Tvn0zeSwamp;url=http://www.mirror.co.uk/news/top-stories/2012/02/07/rising-costs-means-car-ownership-dropping-among-the-young-115875-23738969/img src=//nt3.ggpht.com/news/tbn/v023Y0Sm6MikwM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Mirror.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFamGrJw1nzaHF1zCas60Tvn0zeSwamp;url=http://www.mirror.co.uk/news/top-stories/2012/02/07/rising-costs-means-car-ownership-dropping-among-the-young-115875-23738969/bRising costs means bcar/b ownership dropping among the byoung/b/b/abr /font size=-1bfont color=#6f6f6fMirror.co.uk/font/b/fontbr /font size=-1The bDriving/b Standards Agency said 1080320 people aged 17-25 took bdriving/b tests last year. bYoung/b male bdrivers/b are being particularly badly hit by hefty bcar insurance/b premiums. With the average premium quoted for byoung women/b recently topping £1800, b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=d6_r9inyOk4r59Mamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table
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Justine Greening: Britain is the whiplash capital of Europe and Im going to ... Daily Mail - Jan 01, 1970
table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGnW_kp23VihbKk_-Gnr6rJxlRZHwamp;url=http://www.dailymail.co.uk/news/article-2096597/Justine-Greening-Britain-whiplash-capital-Europe--Im-going-stop-it.html?ito%3Dfeeds-newsxmlimg src=//nt2.ggpht.com/news/tbn/hku3Jpo2udkSAM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Daily Mail/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGnW_kp23VihbKk_-Gnr6rJxlRZHwamp;url=http://www.dailymail.co.uk/news/article-2096597/Justine-Greening-Britain-whiplash-capital-Europe--Im-going-stop-it.html?ito%3Dfeeds-newsxmlbJustine Greening: Britain is the whiplash capital of Europe - and I#39;m going to b/b/b/abr /font size=-1bfont color=#6f6f6fDaily Mail/font/b/fontbr /font size=-1bYoung/b people had to cough up for a 51 per cent rise last year, bringing average premiums to £2500 for a byoung/b man and £1400 for a byoung woman/b. There is no getting away from it: the cost of bcar insurance/b is bearing increasingly little relationship to b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=da_WXhc3Tify43Mamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table
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Teen Girls Parents Sued By Girls Own Dog The Spoof (satire) - Jan 01, 1970
table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNF0tMoK4vC89mhW3kR0xTr9yYTxcwamp;url=http://www.thespoof.com/news/spoof.cfm?headline%3Ds2i104264bTeen bGirl#39;s/b Parents Sued By bGirl#39;s/b Own Dog/b/abr /font size=-1bfont color=#6f6f6fThe Spoof (satire)/font/b/fontbr /font size=-1Fred Smith, another bdriver/b who witnessed the incident gave me the following statement, quot;I felt so sorry for that dog at first as I saw the Smart bCar/b run into him but once I realized the dog was okay my attention focused on the byoung woman/b who did a b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dRUGTbyygyVMzXMamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table
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