Young drivers are at a distinct disadvantage when they try to get auto insurance that is affordable. This is true even though they might have good driving records. Young males will pay a higher premium than young females. According to insurance statistics males are more aggressive behind the wheel than females.

To get auto insurance to fit their budget young drivers should take a drivers education course through their schools. They must be driving at least three years for any defensive driving course to really get them any deduction and to have any effect in a lowering of premiums. Going on a family member’s policy will not help to lower rates and will raise the rates of all, because the company will rightfully assume the young member will be driving all the autos. On the other hand some companies will distribute the parents’ safe driving savings to all members. Check with your insurance company. Family members should impress upon the young drivers that they need to be extra careful while driving because any mishap will really hurt them in the way of higher premiums. Young drivers are 6 times more likely to have auto accidents when compared to those aged 30-59, according to the Insurance Institute for Highway Safety (IIHS).
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