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As a newly licensed driver, teenagers should know a few things to help their car insurance rates stay as low as possible.

First, cars are rated to determine insurance rates. For example: a corvette is going to have a higher premium than a pick-up truck. Add in a teenager driver, the insurance premium soars even more. So it is best for a teenage driver to stay with a car that is going to be lower on premiums, like a 4 door sedan.

Most states only require auto liability insurance for cars that are paid for. So keeping this in mind, it is a good idea to buy something cheaper as a first car.

Other things that affect your rates are speeding tickets or accidents. It is important to pay attention to the road, follow the speed limit and do not talk on cell or text to avoid accidents. Doing these things will keep your insurance rates down.

Posted 7:24 AM

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