Will Teen Driver Pay Higher Premiums On Own Policy Or Parents
Reader's Question:
I am a young driver and I've been driving my dad's vehicle for the past 2 years. Now I want to get my own teen auto insurance coverage in Miami, but my dad says I'll have higher premiums. Is that true?
Ted
Miami, FL
Brace yourself for expensive teenagers auto insurance charges. Car insurance companies are known to rate young drivers like you as high risk. This is due to the fact that you do not have a proven track record of responsible driving. Your 2 years of driving experience may not be enough to convince car insurance companies in Miami that you are careful when you handle the steering wheel, more so if you have been caught with various traffic violations in the past.
You will also more likely get expensive teenagers auto insurance in Miami because you are perceived as an immature and irresponsible driver. You cannot blame car insurance companies in Miami for thinking such because you are still young. According to statistics, young drivers are involved in more traffic accidents and violations. You cannot change that perception, unless you prove that you are a different case. If you can, try to enroll in a defensive driving school. You will learn how to be a defensive and responsible driver by enrolling in one, and this will help you be rated as low risk by insurance companies.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history - used by many carriers to determine payment risk
Will Teen Driver Pay Higher Premiums On Own Policy Or Parents