In many ways, automobile insurance is a game of numbers. Insurance companies use traffic statistics and other factors to determine how likely it is that certain drivers will get into accidents. And unfortunately for the parents of teen-age drivers, these statistics are what makes car insurance for students so high. The good news is, despite the numbers, if you look hard enough and explore the available options, you will see it is possible to get a quote for cheap car insurance online. Uniformly across the board, insurance companies charge more in premiums to insure drivers under the age of 25. This can seem like age discrimination, but remember the numbers game. Here are the numbers and the rationales behind them that insurance companies use to back up their higher rates for car insurance for students. A driver between the ages of 16 and 19 is four times as likely to be involved in a car wreck as compared to drivers of any other age group. Among the reasons for this are: * The drivers' inexperience; * The tendency of young drivers to go faster because of the thrill of speed; * An adolescent sense of immortality that can lead to paying less attention to road signs and potential hazards; Even without numbers to back up these observations, these conditions indicate that student drivers need extra protection. From an insurance companies' standpoint, this means that the parents of a teen driver should pay more into the monetary pool to cover vehicle repairs or personal injury. There are some options that can reduce these risks and the cost of car insurance for students. For instance, a recent study found that nearly half of all drivers between ages 16 and 24 got into accidents because they were texting on their cell phones while driving! Here's where parents can teach their student drivers about dangers by both insisting they not text while driving, and by not texting or talking on cell phones while driving themselves. Believe it or not, teen-agers do pay attention to how their parents behave. Meanwhile, despite the realities of risks for teen-age drivers, there are discounts that can help reduce the cost of car insurance for student drivers and make it easier to find a quote for cheap car insurance online. These include good driver discounts for students who've successfully completed driver education, good student discounts for students who maintain a B average or better, and "affinity" discounts available through various organizations. All of these discounts can be found easily through one application for free cheap car insurance online quotes. By visiting an insurance aggregator's website, parents of student drivers can research all the discount options available in one application. Of course, the best way to hold down the cost of car insurance for students is to help them become good drivers. Parents can do these by teaching and modeling good driving habits themselves. Most of all, parents can help their student drivers by stressing that they should never drive if they've drunk alcohol or taken drugs, nor should they ride with someone who has. Reassure student drivers that their parents will be happy to pick them up without a lecture rather than have them drive while intoxicated. Once they've sobered up, you can discuss with them what poor driving does to their records and their lives - including raising the cost of car insurance for students!
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