Why Car Insurance Rates for 19 Year Old Male & Female Costs Higher?

When you’re a teen or a new driver who’s between the age of 16-20, you are still considered an inexperienced driver. Even in the case that you’ve gained driving experience of two or more years, you’re less likely to find cheap car insurance because of the existing statistics that are highly valued by car insurance providers.

Insuring a young driver is risky because they’re statistically more prone to causing property damage as well as suffering life-threatening injuries. When you’re under 20 years of age, you’re automatically considered as a risk to insure also because teenagers often make more claims and it is said that each teen out of four others will at least once will face an accident in their first year of driving.

There are other similar statistics that point towards the validation of demanding higher rates, however, there’s also another stratification which makes the male drivers under the age of 20 pay more towards their car insurance.

Yes, male drivers pay nearly $14,000 more for car insurance in their lifetime compared to female drivers. The existing statistics states that men cause nearly thrice the damage to property than females who only amount to nearly $6 billion in damages in accidents. But enough about getting higher rates, let’s instead find out how you could reduce car insurance rates.

 

How to Get Affordable Car Insurance for 19 Year Old?

Adults might believe that there are but few ways to save on insurance but there are more and the most ideal of them are stated below to help you save money when looking for car insurance rates for 19 year old male or females.

 

Buy Economical Car

If you drive a sporty car, the adrenaline while speeding might tell you to jump that RPM meter which can potentially lead to a fatal crash or worse. To avoid such incidents, buy an economical car that is smooth and nimble enough to drive and easier to maintain.

 

Install Safety Features

Getting ABS system, Air Bags, Black Box, Anti Theft Alarm, etc installed in your car will add to your protection and will grant you discounts from the car insurance provider. If you don’t make additional modifications such as a fancy exhaust, etc you’ll get even better car insurance rates.

 

Consider Multi-Policy Insurance

If a member in your family already owns an insurance policy from a car insurance provider then consider adding your name and your vehicle to their policy to get discounts, low rates, and loyalty points. You’ll be saving hundreds of dollars provided that you don’t take the vehicle out of state.

 

Ask for Discounts

There are plenty of discounts available for drivers under the age of 20 years of age so ask about all and various discounts such as good student discounts, mileage discounts, etc to further reduce your auto insurance rates.

 

Buy Smart

Compare quotes from various car insurance providers based on the type of liability coverage that suits you best. If you make a one-time payment, which also qualifies for a discount, you’ll end up saving hundreds more on your car insurance annually.

 

Where to Find the Cheapest Car Insurance for 19 Year Old Drivers?

If you’re looking for the cheapest car insurance, then let Alias Insurance provide you the most competitive rates and various quotes based on the type of car you own as well as the type of liability coverage you require. For securing cheap car insurance in an effortlessly smooth manner, contact an expert to assist you with the procedure and other details including exciting discounts.