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Auto insurance is crucial to every driver, including young drivers, as it protects them and their families physically and financially if an accident occurs. The type of vehicle being operated will generally determine the options and costs available to young drivers. Continue reading to learn more about factors that can lead to the most affordable insurance qualifications for young drivers, including the cheapest cars to insure and reasons why.
Durable Brands & Types
Vehicles with less powerful motors and minimal safety features are often the most expensive to insure for young drivers. This is due to the higher repair costs and the increased risks of crashes or bodily injury claims. Therefore, purchasing one of the most durable vehicles for a young driver can lead to more affordable car insurance.
SUVs and sedans are generally some of the best options due to their reliability and high safety ratings. These are often compact SUVs with advanced safety systems. The safety features that make insurance companies feel like the automobiles are less risky to insure for younger drivers include anti-lock brakes, airbags, and backup cameras.
Avoiding Luxury Vehicles
Teenagers and young adults are more likely to leave vehicles unattended in risky areas. As a result, the insurance rate for individuals under 25 is often higher, unless the car is less appealing. Therefore, you should avoid purchasing and insuring a sports car or other elaborate and expensive option for your son or daughter.
Drivers under 25 often lack the experience to keep luxury vehicles less visible, increasing the odds of theft and vandalism. Insurance providers also feel younger drivers operating sports cars lack awareness about leaving mobile devices, wallets, shopping bags, and other valuable items visible, making the luxury cars even more appealing to thieves.
Large Vehicles
A small car can be more expensive to insure for a young driver, regardless of whether the vehicle is cheaper than other options. This is due to many reasons, such as the young driver believing he or she can move through traffic easily due to the smaller scale of the car.
The good level of caution maintained by young drivers of sizable cars makes them the better option, whether a minivan, an SUV, or a sedan. Other drivers in traffic are more likely to focus on a bigger and wider vehicle with care. As a result of the attentiveness associated with a bigger vehicle, insurance is expected to be cheaper for young drivers.
Speak with Professionals about Other Factors
Learning more about what affects your child’s insurance rate can help you decide what vehicle he or she should operate. Age could impact your child’s rate, and so can your location and his or her current driving record.
When contacting a San Diego insurance company, select a business that’s up front and honest when answering your questions. The provider should let you know how a credit history impacts your family’s policy, the deductible costs, vehicle brands and styles, and other factors that will impact insuring your child now and in the future.
When they need affordable, reliable renters, commercial, home, or auto insurance, San Diego residents turn to the experienced agents at Altra Insurance Services. Call one of our friendly representatives today to learn how you can save money on your auto insurance.