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What 16 Year Olds Need To Know About GA Auto Insurance

It is necessary for the citizens all across the country to possess auto insurance to be able to drive safely on the road. This obviously leads us to believe that even 16 year olds need to be insured if they wish to drive in the state of Georgia. However, the fact of the matter is that at such young age, teenage drivers are generally not experienced in driving around in a car and they tend to have a rather immature outlook on life and they are also known to drive in a very reckless manner. For this reason, insurance companies generally tend to charge high and increased premiums from them. The premiums that 16 year old needs to pay are far more substantial than those that are paid by experienced drivers who are above 25 years of age.

Now, in terms of acquiring auto insurance in Georgia, teenagers generally have two options. The first option is for them to acquire their very own individual policy. On the other hand, it is also possible for them to get added on to their parents’ policy. Here are the differences between both of these options:

Individual policies for teenagers

16 year old in Georgia obviously have the ability to get their very own policies. However, the very first issue in this regard is that the costs associated with getting your very own policy are extremely high. This also means that the teenager would be required to show and prove his or her source of income. The premiums that need to be paid generally lie in between 75% and 150% at large which is a whole lot more than any other would ever have to pay in terms of premiums.

Getting added onto parents Georgia car insurance policy

Although adding your teenage onto your very own policy is also a really pricey option, it is far more affordable compared to the teenager having his or her own policy. The kind of premiums that you can expect to pay in such a setting tends to remain in between 50% and 100%. So, if you are paying about $1,200 a year for the liability insurance that you have taken up, after adding your teenage child on to it, you would actually be paying anything in between $1,800 and $2,400.

What are the different factors that can impact the premiums?

One of the most prominent factors that are used by insurance companies in Georgia while figuring out the premiums is the driving record held by the teenager. If you made any traffic violations at a young age, you can assume that your premiums are going to cost you a lot. The rates are also likely to triple if you’ve ever had an accident at an early age. However, the insurance costs are not affected by minor violations as such.

Factors that can help cut down the premiums

Insurers generally tend to offer what is known as a ‘good student discount’. You may avail it if you have successfully maintained a 3.0 GPA all through high school.

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