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It is important, however, to note that over the past two decades or so, the driving patterns of both young teen females and young males have become very similar.
This does not mean the car insurance agencies are not still viewing young male drivers as a higher risk. Nevertheless, it does show how their driving habits are beginning to affect how they are classified.
In a study conducted by the United States Department of Transportation, certain characteristics of safe driving, including age and gender were investigated.
This also contributes to the low auto insurance premiums they receive.
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In addition to these interesting facts, teen drivers also face the same issues when applying for car insurance as their older counterparts, like location.
For instance, the Rocky Mountain Insurance Information Association shows the vast difference in certain areas in Colorado. A female teen driver living in El Paso County can receive a quote of $774 per year, but moving to Pueblo can cost $898.
At the same time, a male teen driver would generally expect these costs to soar substantially.
If a male teen boy, living in El Paso wanted to insure his vehicle, the average rate would be approximately $949, almost $200 more per year.
If he moved to Pueblo, the amount would increase to an astounding $1101 annually. Seeing these rates really shows the difference between teen male and female drivers.
This is one of the reasons why very young teen drivers, aged 16-18 are usually placed on their parents’ policies.
For one, most are still in school and would not be able to make enough money working part-time to pay these high premiums.
Additionally, the majority of the parents of teens are more than willing to pay the extra costs to keep their teens secure, with the proper amount of coverage.
Should their child or children become the victims of a motor vehicle collision, or worse, cause the accident, they would be covered by their parents’ policy and be shielded from any additional calamities, like lawsuits or extensive medical costs.
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In addition to their basic inexperience, many teen drivers have similar common risk factors that most car insurance providers take into consideration when they prepare their quote.
They include failing to wear a seatbelt, driving in poor weather conditions and distractions.
According to the American Automobile Association, teens driving during their first year are more likely to become the victims of motor vehicle collisions than any other time during their entire driving history.
This is why there are so many different programs dedicated to keeping them safe, as well as other drivers on the road.
If you encourage safety, it will reflect in their driving and this keeps car insurance costs low.
Because of their lack of experience, teen drivers are more likely to panic when they encounter an obstacle in the road and swerve to avoid a collision.
Unfortunately, this often leads to even worse accidents because they are unable to compensate for their swift actions, which can cause them to hit other vehicles, damage property or seriously injure pedestrians.
So how do you make sure your teen driver is safe, before they hit the road? It should begin with their driving instructor.
While many parents love to take this opportunity to teach their teens the rules of the road, the reality is they may not be the best suited for the task.
The laws have changed and you may inadvertently pass on some of your own bad driving habits to your teen.
Instead, opt for a professional driving school that will teach your teen everything they need to know, not only to pass their road test, but also to remain safe.
They must understand that this is a privilege and the laws, other drivers and innocent bystanders, should always be respected.
Also, many car insurance companies will offer a discount if your teen is taught by a licensed, professional instructor.
In addition to ensuring your teen driver has excellent training behind the wheel, they will still need protection once they receive their driver’s license.
After all, just because they pass their road test does not mean they will automatically become great, defensive drivers. In fact, this is precisely where reinforcement comes into play.
In many situations, parents and teens have started to draw up contracts between each other.
They may be very detailed, including the hours in which they will drive, the number of passengers allowed at one time and of course, no drinking allowed under any circumstances.
Alternatively, they may be very simple, providing only general information like, putting gas in the car and perhaps chipping in with insurance.
However you want to begin to your arrangement, make sure you all agree to the terms and be very certain that your teen understands the consequences behind violating any of the conditions.
This is the best time for them to comprehend how the laws of the road operate. If they do not honor the contract, you must not allow them to drive until they show you a certain level of responsibility.
In the driving world, things are similar. If they run a red light, are caught speeding or cause an accident, they will need to endure the aftermath. Consistent violators of the law may have their driving privileges revoked.
It is vital that you, as a parent, do not give into their grievances, this will void the contract and they may not have any respect for the terms going forward.
Once the contract has been completed and you all sign contact your car insurance provider and provide them with a copy. This will show them that you are serious.
The majority of car insurance companies offer a multitude of discounts for teen drivers if they pass certain courses.
The Graduated Driver License is something that teens can acquire if they spend 50 hours driving with someone who is experienced.
During this time, they learn how to control the vehicle, how to fight against becoming distracted, how to look for dangerous road conditions and how to follow the rules of the road, including being courteous.
They also learn how to drive a vehicle with the best fuel-efficiency.
If your car insurance company participates in this program, your teen can receive up to 10 percent off their insurance premium.
Another type of program for teens is a computer-based program that simulates driving using a PC.
By logging onto this site, your teen can get a real feel for the way a vehicle operates and can practice driving along city streets and highways.
The most popular type of discount that most car insurance companies offer is the good student discount.
If your teen maintains a B average or makes the honor roll for two or more semesters, they can receive as much as 20 percent off their annual premium.
Because your teen will not drive as much as you, they may be able to qualify for a low mileage discount, if they have their own vehicle.
Generally, the car insurance company will ask how many miles you drive per year, if your teen keeps the odometer below a specific number, they may apply a discount up to 15 percent.
As your teen begins to gain more confidence behind the wheel and as long as they have not accrued any points on their license, you can start to reevaluate the cost of your insurance premiums.
If you have a good driving record and have been with your car insurance provider for a long time, they may be willing to negotiate a better price.
Do not be afraid to reach out to them and ask. At the very least, they will say no.
However, if they want to keep you as a customer and value you, they may decrease your rates.
This may not happen for at least a few years, so continue to monitor your teen’s progress and never forget to give them praise for a job well done.
If your teen sees how a positive driving record can save money on car insurance rates, they will have something to strive for.
Make sure you keep them in the loop and when the day comes, let them know it was because of their efforts that the premium dropped from the original price, to the current price.
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