Reader’s Question:

I want to buy  my own first time car insurance as I am turning 19 soon. But my dad thinks it will not make my insurance cheaper. I want to know what the real deal is.

Michelle

Chicago IL

At age 19, you are still considered a young driver and usually rated as first time driver. And for this reason, car insurance companies will still charge you a high premium and this is because you are more at risk in meeting accidents, thefts and other mishaps. Also, teens are viewed as more happy-go-lucky which entail them to act less responsible at times.

If you wish to find less expensive first time car insurance, you can enroll yourself in a defensive driving school which can make you a more responsible driver. By doing this, you can show that to the car insurance companies that you can take responsibility.

Aiming for high grades in school allows your teen to get discounts since car insurance companies deem a teen more responsible with higher grades.

Finally, choose safe cars over sports car. This has been proven to decrease car insurance for your teens since sports car are more associated to car mishaps.

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