If you’re a young driver, you know that finding affordable car insurance can be a challenge. Parents also start struggling with the expense of their new auto insurance premium after adding their teen driver. As a young driver, you are prone to causing accidents due to low driving experience. Auto insurance is an insurance policy that protects against losses incurred from owning and operating an automobile.
Search around and compare rates from several insurers to find the coverage that best suits your needs as a teenager. To compare like with like, make sure to obtain quotations for similar policy levels and deductibles.
Nobody wants to spend more on auto insurance than is necessary. By taking the time to search around and compare prices, you can be certain that you’re getting the greatest coverage for your needs at the best rate, and Wigmore Insurance Agency is the company to turn to for this.
Wigmore Insurance Agency has been in 70 years in business and is a leading provider of insurance needs in Costa Mesa California. They are a full-service insurance agency offering its clients a wide range of insurance products and services. They are dedicated to providing our clients with the best possible coverage at competitive rates.
The Insurance Agency offers various insurance products, including auto, home, life, health, and business insurance. They also offer various financial services, including investment, retirement, and estate planning.
Despite accessing car insurance being hard for teens, there are methods to obtain the most protection for your money. One method is to search for special young driver discounts. How can young drivers access the discounts?
Maintaining good grades
Young drivers who maintain outstanding grades stand a chance with Wigmore Insurance Agency. Wigmore Agency can offer a “good student discount” to drivers under 25 who maintain a certain grade point average they have stated. Of course, the parent must submit a copy of their child’s report card to verify grades.
Enrolling in driver’s education classes
There are many reasons why it is good to enroll in a safe driving class. One reason is that it can help you become a safer driver. Safe driving classes can teach you how to avoid accidents, handle different types of roads and weather conditions, and what to do if you are in an accident. Another reason is that many insurance companies offer discounts to drivers who have completed a safe driving class, and Wigmore insurance agency is among them.
The type of car
A few things need to be considered before buying a car for a teen. The first is the car’s safety features. Teens are more likely to be involved in accidents, so a safe car is important. If the car is fitted with specific safety features, such as airbags or anti-lock brakes, it becomes eligible for discounts from some insurers. Before making a decision, the insurance company would advise you to obtain individual quotations for each vehicle you are considering buying. If you are going for a secondhand car, ensure it is equipped with safety features. It is understandable to be on a tight budget, but ensure you are not compromising the future to save money.
Low Mileage Savings
If you are a teen driver, you may be able to get a discount on your auto insurance if you have low mileage. This is because insurers often view teen drivers as high-risk so they may offer discounts to those with low mileage. Low mileage is often seen as a sign that you won’t drive very often, which insurers view as a lower risk. This is because the less you drive, the less likely you will get into an accident.
For various factors, a faraway student may qualify for lower auto insurance premiums. The fact that the student is attending a school far from their home could be one of the causes. This means that the car will be rarely used, leading to a lower risk. These are the kind of news insurance agencies like hearing. Also, you get a lower discount if you are a proficient driver and have a spotless driving record before leaving for your studies.
Why is auto insurance for teens higher compared to their peers?
There are many reasons why there are high risks among teen drivers. Some of the most common reasons include,
- Distracted driving is a major problem among teen drivers. Texting, talking on the phone, and even talking to passengers can take a teen driver’s attention away from the road.
- Speeding. Teens are more likely to take risks when behind the wheel to try and please their friends or for no reason.
- Driving under the influence of drugs or alcohol is also a major problem among teen drivers. This can lead to impaired judgment and poor decision-making, leading to accidents.
- Failure to use safety features like seatbelts, google maps, anti-theft devices, anti-lock braking systems, etc.
If you need to become more familiar with insurance rates, you can always do a little research for comparison purposes. If you already have an agency, ensure to consult them on your teen insurance policy. Wigmore Insurance Agency has the best customer service and will definitely fit your needs.