Klamath Insurance Center, Inc Blog
It is an excellent achievement for teenagers to get their car. Driving your vehicle provides a sense of independence since you now have more control over your time. However, teen drivers must also realize that they are inevitably associated with having a personal vehicle.
One of the unavoidable consequences of being a driver is getting auto insurance. Nearly all states require drivers, regardless of age, to always have an active car insurance policy. If you got involved in a road accident and state authorities found out that you do not have auto insurance, you might face legal consequences for violating a state regulation.
Average Auto Insurance Cost
Getting auto insurance is not cheap. Data showed that an American driver would pay an average of $2,388 every year for his auto insurance policy. However, auto insurance varies from one state to another.
For example, if you are a New York resident, you will be paying anywhere from $1,352 to $2,752 per year for your auto insurance policy. Meanwhile, someone living in California will have a cheaper auto insurance premium of $987 to $1,815 annually.
The state you are residing in plays a role in your auto insurance cost. The type of vehicle, your age, your driving record, the extent of coverage, and credit history are factors in determining your car insurance premiums. Hence, it is crucial to learn about several money-saving tips for your auto insurance:
Be Wise in Selecting a Car
The vehicle type and the car model you will buy will be a significant factor in determining your auto insurance costs. If you purchased a luxury car, insurance companies would charge you more on your car insurance policy. Luxury vehicles have many expensive components; thus, it will cost more to replace or repair any car parts.
Before you buy a vehicle, try to compare several car types or car models' auto insurance costs. You can choose the car that you manage the annual car insurance cost of. What is the point of buying a car, if you cannot afford its auto insurance cost? You might end up not driving it at all.
Some car insurance providers can lower your premium if your vehicle has safety features. Selecting a car that has a lower likelihood of being stolen can help reduce your premium. So, consider these factors when choosing your vehicle.
Be a Safe Driver
As mentioned earlier, your driving history can influence your auto insurance cost. Since most teen drivers are first time drivers, it is essential to maintain a clean driving record. Insurance companies will charge more drivers with many minor and significant driving violations than those with a clean record. Keeping a good driving record could help reduce the premiums that you should pay.
You can also take a driving course. Several insurance companies offer discounts to drivers who can complete an accredited driver training course. You can check with your local insurance professional to know the driving course certified by their company.
The cost of auto insurance might overwhelm young drivers, but it is a state requirement in most places. It is interesting to learn that there are ways that can help reduce young drivers' car insurance. Hence, it will allow them to comply with state regulations at a more affordable price.
At Klamath Insurance Center, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 882-5555 or Click Here to request a free quote.