Reader’s Question:

Hi I’m Arnold from Peoria, Illinois. I just wanted to know why it costs so much to insure teenage drivers?

Arnold

Peoria, Illinois

Hi Arnold. You’re right, teen driver insurance usually comes with a hefty price. This is because of the numerous studies out there that prove that teens have a relatively higher chance of getting into accidents compared to more experienced drivers. Also the younger the teen, the even higher chance there is that the driver will get into an accident. According to the studies, a 16 year old teenager has an even higher chance of encountering a mishap compared to, say, a 19 year old. But despite the pessimistic outlook on drivers’ statistics, the important thing is that there are ways to reduce the risks of getting into an accident, no matter what your age. First would be to become an educated driver. So read up on your driving manual and the tips and tricks to be safe on the road. Another way would be to maximize supervised driving. This will allow you to coach the teen on how to keep safe based on his or hers actual driving habits. Also, try to limit nighttime driving. They say a lot of the accidents occur during nighttime. Even though your teen may be responsible, there are a lot out there that practice drunk driving even in Peoria, Illinois. Better safe than sorry. The good news is, if you can teach your teen to be safe now, this can mean a car insurance discount on your insurance the next time around.