How Much Is Car Insurance For A 19 Year Old

A known fact is that teenagers of all drivers pay highest insurance rates. Regardless of whether you provide insurance for your child or are purchasing the first young adult auto policy, it is best to get quotes on cost coverage. You can determine the cover price in advance and accordingly enable your budget. It helps in comparing the rates.

Is there a difference between male and female drivers?

Gender is a relating factor and so 19-year olds can see a difference in car insurance between women and men drivers. Young males approximately pay more on a 6- month policy period for $235 than female drivers. This is because the insurance companies statistically consider the young males to be risky drivers.

Car insurance for a 19-year-old female

Young male drivers, you can take comfort as you age, there will not be the significant premium difference between men and women. Particular rate depends on the driving record, the place you live and your credit history, besides the car model you drive and the coverage you buy. However, the teen policy separate rates are based on the coverage limits.

Car insurance for a 19-year-old male

What Are The Best Cars For 19-Year-Olds?

19-year-olds are often wanting to have more expensive vehicles and are dreaming about getting a brand-new car with all of the best features. The reality, however, is that these vehicles cost a lot more to insure and are not necessarily safer vehicles for teenagers to be driving.

Not only that, but car insurance prices are lower for vehicles that are less expensive, but also have higher safety ratings. Vehicles like the 2014 Ford Fusion, the 2015 VW Jetta, and the 2014 Mazda 6SE 2.5i are often listed as top cars for 19-year-old drivers. These vehicles do not have a high cost in relation to other vehicles, and they are determined to be safer vehicles than many other cars are as well. Not only that, but many of the vehicles that are great for 19-year-olds drivers have good gas mileage as well.

Safety is the first priority when it comes to choosing a vehicle for a teenager. Vehicles that can allow teenagers to go at high speeds or may tempt them to drive beyond their abilities are generally not recommended. After safety, affordability is important. For people who are looking for more affordable vehicles, older vehicles that are still safe and reliable can be good choices.

How To Get Car Insurance For A 19-Year-Old

Automobile insurance plans for 19-year-olds cost more on average than older demographics. Teen drivers are more likely to get into accidents. Car insurance companies use statistics like this when determining the prices people pay for car insurance plans. Each auto insurance provider uses these statistics in different ways when determining the rates people pay for car insurance policies.

Due to this, shopping around for the best prices on car insurance is essential. Use the tools here at Cheap Auto Insurance to find the best prices on car insurance available for teen drivers.

How to save money on car insurance for 19-year-olds

Adding a teen to parents' policy

A general practice is that most states consider 19-year-olds to be adults and in such places, drivers can purchase their own car insurance. However, parents consider the less expensive and convenient approach of adding the teen to their policy, particularly if the teen lives with them at home.

It is cheaper mainly because the premiums are set by the insurance companies owing to various factors, such as the driving record and experience of the policyholder. This means the parent can qualify for multi-policy, multi-vehicle and loyalty discounts. Yet, the fact stays that adding a 19-year old to your existing policy will be a bit expensive policy.

Car insurance discounts for 19-year-olds

Discounts reduce the bill and the insurance discounts should be checked as it also varies with each state. However, 19-year-olds can enjoy car insurance discounts if he or she is:

• A good driver maintaining a clean record for three years can enjoy 10 to 25 percent discount.
• Drivers education course is completed means you get a discount of 5 percent.
• A good student maintaining a B or 3.0 averages is sure to get 15 percent discount.

Adding a 19-year-old driver to parents' policy is usually saves money

As a 19-year-old driver looking for car insurance means look for saving money or discounts that qualify you and help in managing insurance rates. You can do this by considering few situations that relate to you:

The 19-year-old lives with parents and has a clean driving record

It is good if the teen is added to the existing policy of their parents and is typically less expensive. As a teen, you can reduce the premiums of your parents by qualifying as a good driver having at least three years of clean driving record and maintaining a B average. Thus avail discounts and save money.

The 19-year-old has a good record but doesn't live with parents

Having a separate policy is ideal if you own a car and are not living with your parents. Buying coverage is essential even if you are driving your friends or roommates car. In such situations, when you do not own a car but are buying coverage, you should buy a non-owner car insurance policy that provides protection, continual coverage, meets the minimal requirements of the state insurance and provides continual coverage, such that it turns favorable over time as low premiums.

The 19-year-old lives with parents but has a poor driving record

The teen living at home has tickets due to causing accidents means getting a policy or not is based on the accidents severity and the number of accidents or moving violations caused. The parents need to get quotes to know the cost to keep the teen in their existing policy or to get a separate policy. However, a teen being on parents existing policy is cheaper and has the advantage of enjoying discounts such as multi-policy, multi-car, and others. Again, the fact of enjoying discounts relies on the driving history records.

The 19-year-old has a poor record and doesn't live with parents

The 19-year-old who does not live with parents should not be included in the family policy, especially when he has a poor driving record. It is clear that he should get a separate policy. In case, the parents have the teens names added in their policy and if they wish the teens name to be taken off their policy, they should show the teens new auto policy or his or her driver’s license bearing the different address.