An insurance coverage for a new teen driver is of great importance. If you are a parent, you cannot just allow your young teenager to drive the car without the insurance coverage to cover any untoward situation of the road. However, the learner driver coverage insurance or the teen driver insurance may cost higher than what you think. In fact, not until the driver reaches the age of 25 years old will the insurance rate decreases with regards to the mileage driven and the situation experience of the person.
As already discussed in driving school, teens are more prone to accidents than adult drivers. This is due to their lack of experience of real driving off the road – and even their own surge of emotions that may hamper their judgment and ability to response to situation with clarity of mind. To this effect, insurance companies find higher risks with new teen drivers for likelihood to be involved in an accident.
Of course, a driving school course prepares a young driver for the real road experience. Classroom discussion is provided for the traffic laws, road rules, and communication signals that are used in the road. A practical driving training is also provided for the application of the knowledge a teen acquired from the classroom discussion.
After getting the driving school course, a new teen driver is already legible to apply for the learner’s permit. The state maintains certain rules and restrictions that should be followed by the new teen driver with regards to safety – and as a form of protection for insurance company. These restrictions include the curfew hour or the driving hour limit for new drivers, the number of passengers allowed in the vehicle, and the supervised driving with the licensed-adult driver.
With the driving school course, the insurance rate for the learner driver coverage may be reduced to a certain level. But because of the insurance companies have partnered with driving schools, it is easy for them to track the behavior and performance of the teen while in the training. During the evaluation of the insurance rate, the behavior and performance of the person while in the driving school can determine the rate of the insurance coverage premium.
On the other hand, the age of the youth driver is another factor considered in the determination of the insurance rate. In the perspective of insurance companies, teenagers lack the experience to judge situations on the road. The lack of proper judgment and the ability to think rationally, rather than rely on the surge of emotions, may increase the rate of the insurance.
For the benefit of the teen driver, the learner driver coverage rate can be reduced within a single year after the driving school course. By posting perfect score in the driving history, re-evaluation of the insurance coverage rate can be guaranteed. To this fact, it is very important for the new teen driver to avoid being involved in major violations of the road, especially if you are under the learner’s permit restriction.