The best way to go about purchasing an insurance policy for a 16 year old driver is to find out how much the policy price is going to be from a number of companies. Parents of the teenage driver can work together with the child to show them how the process works so they will be able to do it once they grow up and live on their own. The pair can contact companies to see how much a specific policy would cost them and then compare their findings. An easier way to get auto coverage for the 16 year old is by using the quote comparison tool on our site. It’s quick and still provides a number of quotes to choose from.

Info Needed to Purchase a Policy
When looking to purchase coverage for a teenage driver, certain information will need to be given to the insurer or entered into our quote comparison tool. This information is put together by the insurer and evaluated to come up with the final price. How they evaluate the info is by comparing it to statistics they have found over the last number of years. The statistics show drivers with the same background information that have filed claims, been in accidents, not filed claims, etc. Insurers have learned who they can offer low rates to and still be profitable because of statistics. So, while these questions may seem irrelevant in some cases, they are all pertinent to the insurer.

Here we will discuss the needed information of the 16 year old driver. Their name and age will be needed for basic purposes. Whether or not the 16 year old has their license or if they are still driving with a learner’s permit will also need to be known. If they have their license already, their driving record will be inquired of, for the driver’s sake hopefully it doesn’t have negative marks on it yet. If so, the premiums will be very high. Also needed is their address. For the vehicle, the make, model and year needs to be turned in, and so does the VIN. Insurers also want to know the purpose of the car, if it will be driven to work, school or for pleasure. Finally, the estimated annual mileage of the vehicle will be asked for. This is to see how often the vehicle will be on the roads, and the more miles it takes on each year the more chances of it being in an accident.

Purchase Online for Convenience
Not only can adults purchase their car insurance policy, but so can teenagers. The quote comparison tool we offer here on our site also paves a way for the applicant to purchase their policy online without the hassle and inconvenience of working around an insurance representative. The quote comparison tool asks questions which are very similar to the info needed mentioned earlier, and once that information has been entered in and submitted the driver will be given a list of quotes to view. This list contains the insurance companies’ names as well as the prices they are offering. And, as an added element to make it easier to compare, it is in a side by side listing for simple viewing. In some states we allow the driver to purchase the policy right there online and print out their proof of insurance card from their home printer.

16 Year Old Insurance Myths
There are plenty of thoughts floating around about car insurance, some of which are true and some that aren’t. To help teenagers and their parents know what to expect while they are purchasing insurance, we’ll discuss a few of those myths and reveal whether or not they are true.

Teenage males pay more for their insurance. This myth is actually true. As stated earlier, insurers use statistics from previous year’s experiences and base their prices off of these. Teenage males are involved in more accidents and having to file claims than their female peers, according to statistics. For insurers to stay profitable while insuring a teenage male, they must charge higher premiums. This group of teenagers are generally more careless in their decisions and therefore are a riskier driver to insure.

A teenager driving a sports car pays more for insurance. True. The type of vehicle a teenager drivers will impact their premium price. Sports cars have the ability to go very fast, and a teenager with little driving experience is more likely to not have the needed control it takes to not drive it fast. Also, because they have little driving experience, their defensive driving skills may not be great and they could wind up in an accident. A more modest, less expensive vehicle will provide a cheaper premium for a teenager’s coverage.

Insurance is not necessary for a learner’s permit. False. Every state requires all drivers to carry auto insurance or some other form of financial responsibility. So unless the 16 year old with a learner’s permit has given the state the appropriate amount of money beforehand, they will need coverage. Insurance for a driver who only has a learner’s permit is offered by almost every car insurance provider, so it’s very possible the teenager can stay with the same insurer once they get their license.

Students with good grades get a discount on their premium. True in most cases. The only way this statement is false is if their provider does not offer this discount. However, most insurers do offer a discount to those students who receive a certain high grade point average each semester. The student will need to provide a copy of their report card every marking period to receive the discount.

A 16 year old driver is not a high risk driver because they just started driving. False. A high risk driver can be classified as a driver who has many tickets and/or accidents on their driving record, or it can be a driver who has little to no driving experience. They are high risk because they do not have the experience it takes to avoid accidents on purpose. They may accidentally avoid an accident, but they have not yet acquired the skills it takes to make really smart driving choices. They can be moved out of this high risk category once they have been driving for a few years and have not received tickets or accidents.

If you’re wondering how much is insurance for a 16 year old then you’ve come to the right place to find out. QuoteClix.com can show both parents and teenagers where to find coverage and how to get it for the lowest price possible. Allow your 16 year old the fun privilege of driving and make sure they are properly insured.