{"id":260,"date":"2013-05-29T12:55:40","date_gmt":"2013-05-29T12:55:40","guid":{"rendered":"https:\/\/news.motoratylab.com\/ar\/2013\/05\/29\/car-insurance-for-young-drivers\/"},"modified":"2013-05-29T12:55:40","modified_gmt":"2013-05-29T12:55:40","slug":"car-insurance-for-young-drivers","status":"publish","type":"post","link":"https:\/\/news.motoratylab.com\/ar\/2013\/05\/29\/car-insurance-for-young-drivers\/","title":{"rendered":"Car insurance for young drivers"},"content":{"rendered":"<p>Insurance companies raise rates for teenagers and young drivers because they\u2019re risky. They don\u2019t have much experience, and they tend to be less mature, so they get into more car accidents. Sadly, car accidents are the number-one cause of death among teenagers, and that frequency of collisions and deaths is costly for insurance companies. The good news is that insurance rates for young drivers often vary much more than they do for middle-aged adults. Here\u2019s how to take advantage of that variation.<br class=\"none\" \/><br class=\"none\" \/><strong>a. Be the right person.<\/strong><br class=\"none\" \/><br class=\"none\" \/>If insurance companies believe that a teen or young driver is a \u201cgood kid,\u201d they\u2019ll reduce the cost of insurance. Convictions of any kind can cost you, but being a good person and student can reward you. Most of the time, insurance companies will look at report cards and standardized test scores to find out whether young drivers are good students. Good grades can earn savings. Interestingly, so can volunteer work and membership in community organizations. Before purchasing insurance for a young driver, find out if they offer discounts for good students and model citizens.<br class=\"none\" \/><br class=\"none\" \/><strong>b. Have the right car.<\/strong><br class=\"none\" \/><br class=\"none\" \/>Some people think that insurance companies charge higher rates for red cars. That\u2019s not true, but they do charge higher rates for certain <i>types<\/i> of cars. SUVs, sports cars, and luxury cars raise red flags for insurance companies; people who drive these tend to take more risks, especially if they\u2019re young drivers. Choosing a middle-of-the-road, less glamorous vehicle is a good bet for someone looking to save on insurance for young drivers. Somewhat newer cars tend to have lower rates, largely because of their safety features. Side-impact air bags and antilock brakes can get you a discount; so can stability control and other features that make cars easier to maneuver and drive. Choose a car with insurance costs in mind, and you\u2019re sure to get a better rate.<br class=\"none\" \/><br class=\"none\" \/><strong>c. Know the rules.<\/strong><br class=\"none\" \/><br class=\"none\" \/>Finally, choose the best way to add the insurance. Usually, young drivers\u2019 parents already have car insurance, and it can be cheaper to add a young driver on to an existing policy instead of buying a new one. Some places may require people with learner\u2019s permits to have car insurance as well, so make sure you know when it\u2019s necessary to purchase insurance for a young driver. Also, read your policy carefully when considering driving-related jobs (e.g. food delivery). Many policies do not insure collisions that occur when transporting items or people in exchange for wages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance companies raise rates for teenagers and young drivers because they\u2019re risky. They don\u2019t have much experience, and they tend to be less mature, so they get into more car accidents. Sadly, car accidents are the number-one cause of death among teenagers, and that frequency of collisions and deaths is costly for insurance companies. The [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[431],"acf":{"country":["uae","kuwait","ksa","bahrain","qatar","oman"],"sub_title_for_this_post":"","youtube_video_identifier":"","excerpt_for_this_post":"","gallery":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car insurance for young drivers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.motoratylab.com\/ar\/2013\/05\/29\/car-insurance-for-young-drivers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car insurance for young drivers\" \/>\n<meta property=\"og:description\" content=\"Insurance companies raise rates for teenagers and young drivers because they\u2019re risky. They don\u2019t have much experience, and they tend to be less mature, so they get into more car accidents. Sadly, car accidents are the number-one cause of death among teenagers, and that frequency of collisions and deaths is costly for insurance companies. 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