Wisconsin Handyman Car Insurance for Young Drivers
For young Wisconsin residents the ability to drive can be liberating, but teenagers must still remain responsible for their actions behind the wheel. Vehicle owners in the Badger State are required to carry liability and uninsured motorist coverage, which includes individuals under the age of 25. These younger motorists, however, are frequently charged more for coverage than other age groups for a number of reasons. Risk level and accident frequency can influence the rates of individuals in specific age groups, but unfortunately studies have shown that more youthful drivers have a tendency to take unnecessary risks, drive without a seat belt and are more frequently involved in accidents than other age groups. Luckily residents of any age may be able to find cheaper coverage by shopping around.
One of the major reasons why younger individuals pay more for Wisconsin car insurance is because the 551,246 licensed drivers under the age of 25 in the Badger State make up only 13.5 percent of the total number of motorists, but are involved in 24.3 percent of all accidents statewide. Statistics such as these often result in younger individuals being classified as high risk motorists, and consequently experience higher premiums. Insurers often increase rates to counter the financial risk associated with insuring an individual with an increased chance of filing a claim. Despite the tendency for WI youth to pay more for policies, it is still usually possible to find an adequately priced plan after completing a fair amount of research.
Cheaper Car Insurance as a Young WI Driver
In the Badger State there are many different options for people searching for vehicle coverage, and young high risk drivers in particular can often benefit from taking the time to shop around and compare quotes. Evaluating estimates from multiple companies allows residents to explore their options and choose an insurer that can provide coverage at an adequate price. To research efficiently, it is recommended that residents try searching for sample rates online, where potentially dozens of quotes can be viewed at once. To help make coverage costs more affordable, drivers are also encouraged to investigate potential discounts as well as policy estimates.
Many inexperienced drivers, especially students, may be able to benefit from investigating Tips for Saving on auto insurance which includes taking advantage of various special offers. Coverage providers commonly lower premium prices for individuals with multiple vehicles on the same plan or for motorists that belong to specific clubs or organizations, but also for maintaining good grades while in school (generally a 3.0 GPA or higher). Additionally, young motorists can often save money by taking a state approved driver training course, and by making an effort to become safe and conscientious drivers. Individuals who can maintain a clean driving record for over three years typically experience good driver discounts, and striving to become an exceptional motorist while still a teenager may lead to lower coverage costs in the future.