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When shopping for car insurance for teenagers, it is a good idea to shop around online to compare prices and find the most affordable.
Higher insurance rates for teenagers are due to their inexperience and sometimes reckless behaviors when behind the wheel. But, it is important to remember car insurance companies do reward for good driving records. So being a safe driver will help lower your rates.
As a newly licensed driver, teenagers should know a few things to help their car insurance rates low.
First, cars are rated to determine insurance rates. For example: a corvette is going to have a higher premium than a pick-up truck. Add in a teenager driver, the insurance premium soars even more. So it is best for a teenage driver to stay with a car that is going to be lower on premiums, like a 4 door sedan.
Most states only require auto liability insurance for cars that are paid for. So keeping this in mind, it is a good idea to buy something cheaper as a first car.
Other things that affect your rates are speeding tickets or accidents. It is important to pay attention to the road, follow the speed limit and do not talk on cell or text to avoid accidents. Doing these things will keep your insurance rates down.