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Obtaining the right Student Auto Insurance

The vast majority of students are teens, and teens are considered the highest risk group of drivers on the road today. In fact, motor vehicle accidents are the leading cause of death among 15-20 year olds. Male teens are considered the absolute highest risk group of drivers, with male drivers between the ages of 16 and 17 representing the highest risk of all.

This doesn't mean that female teens don't represent a high risk. According to the National Safety Council (www.nsc.org), drivers between the ages of 16 and 17, whether male or female, are three times more likely to be killed in a car crash than drivers between the ages of 25 and 64. This means that while the accident risk for female teens is considerably lower than males, it is still higher than that of all other groups.  

Although this does not mean that your teen has had or will ever have an accident, in the eyes of auto insurance companies, the risk is there. And that's why insurance companies set student auto insurance and teen auto insurance rates at the highest levels in the industry.

But the situation isn't hopeless! There are several ways to save on student auto insurance or find reasonable student rates. It is important to keep in mind, however, that "reasonable" does not necessarily mean "cheap."  Ways to help lower the cost of student auto insurance include:

• Inquire about special discounts for students with a B average or better
• The student can purchase his or her own personal auto insurance policy, especially if he/she happens to be driving an older vehicle
• Parents can classify their student as an "occasional" driver rather than a "primary" driver on the family auto insurance policy
• Students can enroll in a defensive driving course -- upon completion he or she may qualify for a reduced premium
• Parents can purchase a low-performance vehicle (sedan) for their student rather than a high-performance sports car or SUV

To keep rates low, parents must take an active part in students' driving habits. Remember, accidents and tickets will drive student auto insurance rates up even higher -- so high, that you may not be able to afford it. As a parent you should:

• Limit the number of passengers allowed in the car with your student
• Assign an early curfew
• Ride with your student as often as possible in order to reinforce safe driving behavior and skills
• Limit the amount of time your student is allowed to drive the vehicle

The chart below represents fatality facts for male and female teen drivers between 1990 and 2007. It's a good idea to keep a close eye on your student driver, not only because it can save you money on auto insurance, but also because it could help keep your student safe.

 

Year	# of Males	Male %	# of Females	Female %	Total #
1990	4,420	69	1,944	31	6,364
1991	3,891	68	1,867	32	5,760
1992	3,495	67	1,713	33	5,215
1993	3,678	68	1,742	32	5,421
1994	3,770	67	1,859	33	5,632
1995	3,702	65	1,970	35	5,675
1996	3,855	66	1,963	34	5,819
1997	3,715	65	2,014	35	5,730
1998	3,649	65	1,960	35	5,610
1999	3,745	65	2,007	35	5,752
2000	3,759	66	1,925	34	5,685
2001	3,735	67	1,859	33	5,594
2002	3,939	66	2,015	34	5,954
2003	3,772	66	1,946	34	5,718
2004	3,696	65	1,948	35	5,645
2005	3,496	66	1,803	34	5,300
2006	3,415	66	1,744	34	5,159
2007	3,258	66	1,687	34	4,946

For additional statistics and facts about teen driving or to obtain safety information, visit the Insurance Institute for Highway Safety website at www.iihs.org.