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New Drivers vs. Older Drivers
Auto insurance providers consider the age of prospective drivers because age belies experience in their view, and statistics back them up. The numbers state that the highest number of car accidents at night occur in the under-25 age group, and the highest number of car accidents during the day happen to those over the age of 75. So it's no wonder that if you fall into either of these categories, you will most likely endure higher car insurance rates than those between the ages of 30 and 50 years old.
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Statistically speaking, those who are 20 years old and under are more apt to receive traffic violations and be involved in accidents. According to the Insurance Institute for Highway Safety (IIHS), those in their teens are party to auto accidents 9 times more often than drivers between the ages of 30 and 60 years old. Also, teenagers are more likely to do simple things like choose an inexpensive street parking spot over a secure garage, or forget to lock their car doors, making them more susceptible to break in and theft. All of this means more money in claim costs for auto insurance agencies, and they price their car insurance policies accordingly.
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But it isn't just age that concerns the car insurance providers. It's experience. If you wait until you are 30 to get your license and have never driven before, then your car insurance premiums will be as high as if you were 16 with a new license. As far as your driving experience is concerned, you are just as likely to get into an accident due to your lack of practice as someone between the ages of 16 and 25.
Take heart. There are things you can do to offset your lack of experience and qualify for discounts on your car insurance rates. Enroll in a driving a school and earn a certificate showing that you have taken the time to learn a few more details that will keep you safe on the road. If you are a student, good grades can help you qualify for discounts and older drivers can use a good credit record to their advantage. Ask you potential provider what discounts they offer before choosing a car insurance policy.
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