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  • Safe Cars For Teen Drivers

    Safe Cars For Teen Drivers

    If you ask a group of teens what types of cars they prefer to drive, they'd probably say those that are:

    • Stylish.
    • Small.
    • Powerful.
    • Fun to drive.

    Unfortunately, that's the opposite of what's best in terms of promoting teen driving safety―and keeping your car insurance premiums in check.

    What Are Optimal Cars for Teen Drivers?

    When determining what types of cars represent sound options for teen drivers, you should consider the following 6 factors.

    1) Age

    Look for something in the middle of the average lifespan of a car.

    Getting a brand new car is not a great move. Car insurance companies get nervous thinking about the cost to repair or replace new vehicles. On the other hand, very old vehicles probably won't handle well, won't have the top safety features, and will be prone to breakdowns.

    Shoot for something in between these extremes for safety and increased likelihood of affordable car insurance premiums. 

    2) Power

    A four-cylinder car may not provide the "oomph" teen drivers desire. But, younger drivers are less likely to lose control of a car with a smaller engine.

    3) Size

    A four-door sedan that's fairly nimble is a good choice for a new driver. Bigger cars present a handling challenge for a teen, while small cars usually don't offer much crash protection.

    4) Safety Features

    Look for cars with advanced safety equipment, such an anti-lock brakes, electronic stability control, and air bags. You insurer might even reward with you a safety equipment discount for doing so.

    5) Crash Record

    Seek cars with admirable  safety and crash records, particularly those with a longer history. 

    A car with a good crash test safety record is more likely to give teens that extra protection needed to avoid a serious injury in an accident. Because teens are more likely to make driving mistakes, it's important to have a car that offers a high level of driver protection. 

    6) Expense

    High-end cars tend to offer the most advanced safety equipment, which is good. However, these performance-driven cars tend to encourage risky driving behavior.

    Plus, your car insurance premiums will reflect the cost to repair these luxury vehicles following an accident.

    Your Car and Your Car Insurance Rates

    As a teen or a parent of a teen you are probably already aware that car insurance rates for teens tend to be higher than car insurance rates for adults. This is because of the risk that auto insurance companies take on by providing coverage to these inexperienced drivers. 

    If you follow the above tips you are likely to save a little on your car insurance rates, because you will be driving a fairly safe car that will help offset the high risk that is involved with insuring teens. 

    Consult Your Car Insurance Carrier

    Don't be shy about talking to your auto insurance agent or calling your carrier to ask about good car choices for teen drivers. 

    Auto insurance agents have a wealth of experience and data to draw from, and will share their knowledge with you to help keep your teen safe and your premiums affordable.