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Why Teen Drivers Pay More For Car Insurance

Young drivers are responsible for more accidents than any other age group. This makes teen drivers a bigger risk for insurance companies and it also makes their car insurance rates higher.

Teens are considered high-risk drivers for:

No driving experience

Drivers with little to no experience will have a more difficult time recognizing and handling dangerous driving conditions.

Distracted driving

The AAA Foundation for Traffic Safety found that distracted driving causes 12 percent of teen car crashes. Car crashes are also the leading cause of death for teens.

Unsafe driving habits

Teen drivers are more likely to speed and practice unsafe driving habits than adults. More than half of car accidents involving teens were caused by speeding.

Safe driving courses

As a parent, there are ways to help your teen practice safe driving while saving money on your car insurance. Teens can take additional safe driving courses. When they graduate, their certificate of graduation can be presented to an insurance company for safe driver discounts. 

Parents can also install a dash cam as a way of monitoring a young driver’s driving habits and to address any unsafe driving practices.

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