As a sixteen years old teenager cannot sign contracts legally such as the ones issued for car insurance, they have to rely on their parents
. They could obtain an insurance coverage supplemented along with the existing auto insurance policies of their parents. The process of getting auto insurance for 16 years old involves application of common sense.
Let us consider for example a case where the teen also drives the car along with the other family members. In such a case you could get the rates as far cheaper instead if the individual is otherwise the primary driver of the car. The cost associated with the addition of one more member to the prevailing coverage of the insurance for the family is comparatively a lot lesser.
Many of the adolescents out there are in majority under the belief that they would never face such a situation of an accident. But the reality is not so. Statistics talk differently. The auto insurance companies do go by these statistics of accident records.
The drivers between the age group of 30 to 60 are found to be the safer people while compared to the youngsters. The sixteen year old individuals are prone to make accidents almost 6 times more when compared to the former age group, as per the records of surveys. This is the reason that the Car insurance for 16 years old is way higher comparatively.
The annual cost associated in getting Car insurance for 16 year old is approximately found to be in the range of one thousand to four thousand u.s.dollars.
The primary factors determining the costs are the model of the automobile for which the insurance coverage is made and the region to which the party belong. Costs hike from county to chaotic driving conditions of the city. Based on these reasons the auto insurance for 16, costs would change by far.
There are a few guidelines for the Car insurance for 16 years old to be made cheaper. These include selecting right model of the car to be driven, selecting highly deductibles, safe modes of driving the car to avoid losing points or getting traffic tickets. Also there are drivers educations related discounts, discounts for protective driving courses, discounts pertaining to the multiple policies and discounts for the security systems installed in the vehicle as well as the safety equipments in use. This is all about car insurance for 16 year Old.