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How Much Is Car Insurance for a 16 Year Old?

Car insurance for 16 year old drivers is going to be more expensive than insurance for older, more experienced drivers. Insurance companies have collected statistics on teenage driving for years and the statistics show that teenage drivers has six times more accidents. So when it comes time to get car insurance for 16 year old drivers, don’t be surprised if your premiums double.

To begin with, all states require the driver to carry minimum liability insurance. With inexperience behind the wheel and the fact that young drivers do not always spot dangerous situations before they are smack dab in the middle of it, the insurance companies see them as a high risk. When you purchase car insurance for 16 year old drivers it would be wise to ensure that your coverage is adequate. You will probably want to have more than just the minimal liability insurance for when you purchase car insurance for 16 year old drivers. Whether or not you choose to have collision and comprehensive coverage on your car insurance for 16 year old drivers will depend largely on the make, model and year of the car your son or daughter is driving.

This bring us to the information you will need to supply when you are looking for car insurance for 16 year old drivers. You will need to supply the car information as well as the name, birthday, and gender of the teenage driver, the home address, and coverage you are looking for. You will also need to give the number of miles the car will be driven in a year and what it will be driven for. Keep in mind that if you teen is male, the car insurance for 16 year old drivers will be higher because statistics show young males are involved in thirty percent of the accidents where injuries occur every year.


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