About Car Insurance for 17-year-old Drivers

Driving independently for the first time when one is 17 years old is exciting. But perhaps not for the parents or guardians of these new drivers, since they would have to face expectedly higher insurance premiums for them. It’s a good thing that there are ways to get these insurance premiums lowered.

If you are a parent or guardian of young drivers, you could perhaps consider adding them to your existing insurance policy. Normally this option would cost lower and create savings for you. But policies may vary and you have to go through yours to make sure that this is indeed a less expensive option for your 17-year-old. And if you do go ahead with this and have insurance for more than one vehicle, it is best to keep your 17-year-old from being included in insurance for more expensive models, as this would usually add to these vehicles’ insurance premiums.

If you are planning to purchase a vehicle for the 17-year-old, it is advisable to go for less expensive models to keep the insurance premium down. There are also car or vehicle models which are statistically targeted in car thefts, so insurance costs for these are also likely to be higher. Also stay away from fast cars as these will be seen as high-risk vehicles for 17 year olds to handle, and would thus be charged higher insurance premiums.

Influence your 17-year-old to be careful in driving. If no or little claims are made against a policy, the driver could be given discounts off insurance premiums in a few years.

Moreover, it would help if the young driver could get a course certification for completing defensive and advanced driving lessons. The more proofs the young driver can produce to show that he or she is a competent and safe driver, the better the possibility that his or her insurance premiums could be lowered.

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