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How Much is Car Insurance for a 16 Year Old?

High school is often a special time in most of our lives, especially because of the fact this is the time when we learn to drive. Whether the parents of the teenager are buying them a car, or the teenager themselves have a job and is going to be spending their own money for driving expenses, one of the more pressing questions that comes up will be how much is car insurance for a 16 year old?

One thing to keep in mind when trying to find out how much car insurance can cost for a 16 year old is they are not experienced drivers. This is one factor that means you can expect to pay a higher rate than you would as someone who has been driving for a longer period of time. Based on the fact that they are new to the road and have much to learn in the way of driving and handling a vehicle as well as handling the road in different types of weather, their rates will be higher than an older driver. Because of this, part of the answer to how much is car insurance for a 16 year old, is more than someone who has had their license for a number of years.

Another factor when asking how much is car insurance for a 16 year old could be grades. Not all companies do this, but there are insurance companies out there who will give students a discount for good grades. Your 16 year old won't be denied insurance if they have poor grades, but having good grades could be beneficial to helping you save some money if the insurance company your dealing with has this kind of incentive.

Although some may consider it unfair, when trying to find how much is car insurance for a 16 year old you also have to consider if the driver is a boy or a girl. Unfortunately, men are classified as a higher risk than females, thus meaning if you are looking for insurance for your 16 year old son, you will likely have to pay more than someone who is shopping for their 16 year old daughter.

As with anyone shopping for budget car insurance, the car they will be driving also has a lot to do with the question of how much is car insurance for a 16 year old. All vehicles have different classifications under auto insurance standards. How old is the vehicle, does it have a security system, is it a pickup truck or a convertible? All of these and more will be determining factors in the rate you will have to pay for insurance. Also, is the vehicle owned or financed? Cars that do not have any financing attached to them will be cheaper to insure since they can be covered under just liability insurance. Financed vehicles will require comprehensive insurance, which will lead to a higher rate.

Another determining factor when trying to get answers to how much is car insurance for a 16 year old is where they live. Quotes are determined by zip code and some places are more expensive then others when it comes to how much you will need to pay. Zip codes that include a high auto theft rate will mean that you will likely pay more, as well as areas where there are higher volumes of traffic. Considering their inexperience as a driver and the likelihood of an accident occurring is greater with a higher volume of cars on the road, affordable car insurance in a small town will be cheaper than somewhere like New York City for example.

Normally when someone first gets their license, they can be put on an insurance policy with their parents. Now when answering the question of how much is car insurance for a 16 year old, their parents driving credentials will have to be scrutinized to come up with the rate someone has to pay. Do they have any outstanding tickets or any points on their license? What is their accident history? Other factors could be involved as well such as credit rating and whether they rent or own their home.

There are many factors that need to be considered when getting affordable car insurance for anyone, but when someone first gets their license it is even more difficult to find coverage that won't drain their bank account. That is why it is important to shop around and get as many free quotes as possible. At, you can get free quotes from a variety of different affordable car insurance companies from one place. This is a quick and convenient way to find answers to the question of how much is car insurance for a 16 year old, so check them out now so you can compare rates for your new driver free today. This is a free service that can save you time instead of having to spend hours of your valuable time searching through the phone book for auto insurance companies. It doesn't matter if you are looking for liability or full coverage insurance, they deal with a host of providers to find you the best quotes no matter what your car insurance needs are. Get and compare multiple car insurance premiums and start saving money today.


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