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Why is Auto Insurance Coverage So Much More Expensive for New Drivers than for Experienced Drivers?
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Why is Auto Insurance Coverage So Much More Expensive for New Drivers than for Experienced Drivers?

Why is Auto Insurance Coverage So Much More Expensive for New Drivers than for Experienced Drivers?

When you're a rookie driver, it might seem like the entire world is conspiring to keep you from paying attention to the road. It's no coincidence that adolescent drivers between the ages of 15 and 19 have the highest yearly average collision rate in the United States. Not only are adolescent drivers notorious for being reckless on the road, but adding them to your existing insurance coverage can put an additional strain on your financial resources as well.

The cost of adding a new teenage driver to your California auto insurance policy will boost your annual premium by 83 percent, according to a research published by InsuranceQuotes. That is just adding them to your insurance coverage. If your adolescent is involved in an automobile accident, his or her insurance costs will increase significantly. Is this fair? Keep reading to learn why the rates or so high. If you or your teen driver have been injured in a car accident, contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation.

Accidents Involving New Drivers Are Very Common

Every fifth driver under the age of sixteen will be involved in an accident within their first year on the road, and the chance of being involved in an accident grows exponentially with each mile per hour they exceed the speed limit. Even though it is not always simple for parents to educate their teenagers about driving safety, it is vitally necessary to do so.

Fortunately, the average premium rise for young drivers is lower this year than it was the previous year. This implies that more states and parents are participating in the Graduated Drivers License program, which assists in educating teenagers about safe driving practices and regulations.

Accidents Involving New Drivers Are Often More Serious

Not only are they more common, but accidents involving teen drivers are often more serious than accidents that involve adults. Why? Because two of the biggest factors in how serious an accident will be is how fast the driver was going and whether or not they had been drinking alcohol or doing drugs. Teens are more likely to do both and as a result, they are more likely to be involved in a serious accident.

That said, not all teens are at fault. If your teen has been the victim of a car accident, or if you have been the victim of a car accident involving a teen driver, con tact The Law Offices of Larry H. Parker at 800-333-0000 for a legal consultation.

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