I have had my driver’s license for 3 years now. Why is my auto insurance still so expensive?

You are still considered an inexperienced driver after only having your driver’s license for 3 years. Car insurance companies consider inexperienced drivers more high risk. Statistics show that teen drivers are much more likely to get in to an accident and to be at fault in the accident. It’s going to take some time for your auto insurance rates to come down, and unfortunately it’s probably going to be more than 3 years. Normally young drivers don’t get a break on their auto insurance until they turn 25, and that’s if they have a good driving record. If you are involved in 1 or more accidents before you are 21 your rates will sky rocket, so avoid getting in to an accident at all costs.

There are a couple things that you can do to get affordable teen auto insurance. If you are a student and you make good grades, your auto insurance company will most likely offer you a good student discount. You might also want to consider taking a defensive driving course. Not only will this lower your auto insurance rates but it will help make you a safer driver. Make sure you compare auto insurance quotes from a few different auto insurance companies to ensure that you are getting the cheapest rate possible.