Phoenix, AZ, December 10, 2009 --(PR.com
)-- The price of auto insurance is dependent on many factors including a driver’s age, experience and the type of vehicle being insured. Unfortunately for those who are sixteen, they are about as young as a person can get behind the wheel of a vehicle and their driving experience is limited; both of these factors can lead to these teens paying an exorbitant amount in premiums.
These inflated rates are charged for various reasons, but according to the Arizona Department of Insurance, “Risk is highest at age 16, with the crash rate per mile driven almost three times as high as the risk among 18-19 year olds.”
OnlineAutoInsurance.com would like to advise consumers that the best way to find out how much is insurance for a 16 year old
is to simply shop around. Comparison shopping is a valuable tool to finding affordable coverage for teen drivers due to the fact that with the numerous carriers out there, the rates of each can vary greatly from one to the next.
While shopping around be sure to take advantage of any discounts that can be applied to help lower the impact of these higher rates. One good example is the good student discount offered by some insurers to students who maintain a "B" grade point average or higher. Some companies also offer discounts for completing a safe or defensive driving course.
Another way that may make car insurance more affordable for teens is by having them added onto a parent's existing policy. Many companies will add an inexperienced driver to parent's policy for less than if the teen were to obtain coverage of their own.
For more helpful tips on lowering the cost of auto insurance for 16 year olds, one can visit http://www.onlineautoinsurance.com/learn/how-much-is-car-insurance-16-year-old.htm
for more information and free rate quote comparisons from multiple reliable companies.