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Premiums for young drivers can be expensive because insurers look for responsible driving behavior and lifestyle factors when factoring rate discounts. Lack of experience behind the wheel and statistical data are the primary factors that determine insurance premiums for teen drivers. Insurance companies typically define “young drivers” as being between the ages of 16 and 25. People in this age group—especially males, may be classified as high-risk, because they tend to make more insurance claims than any other group of drivers. Statistics show that these drivers are more likely to be involved with traffic violations, accidents, and driving under the influence of drugs or alcohol. As a general rule, it takes at least three years of driving experience before young driver insurance rates begin to decrease.