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Cheap Insurance For Young Drivers and Graduated License Systems
The problem with getting cheap insurance for young drivers is that these are the drivers who have the highest incidence of accidents and insurance rates reflect that. However, since the early 1990s, many US states and Canadian provinces have introduced graduated licensing systems in the hope of reducing young driver accidents. But do these tiered licensing systems work.
According to a study published in 2006 by the National Highway Traffic Safety Administration they are. The study found an 18 percent reduction in fatal crashes involving 16-year-olds, compared to a decade earlier, in states that introduced strong graduated license systems. In fact, states with the strictest systems saw a 21 percent drop in fatal crashes.
However, despite these improvements, teenage drivers, especially males, continue to be involved in accidents at a significantly higher rate than adults, resulting in continued higher insurance rates.
There can be many reasons why teenage boys continue to get into more accidents, including peer pressure, thrill-seeking, poor reaction time, and immature judgment. But more and more, scientists who study the human brain are reporting that the adolescent brain is still a work in progress. Decision-making and forethought are said to reside in the pre-frontal lobes which continue to develop in teenagers.
Despite this, the conclusion of most studies is that there is no substitute for a long and careful learning period to help ensure a good driving record for your teenager and get cheap insurance for young drivers.
Another study by the Traffic Injury Research Foundation found that some parts of a graduated license system work better than others. While driver education is important, even more important in reducing accidents are curfews, restrictions on fellow passengers and mostly, parental supervision.
The researchers made several recommendations to help reduce accidents among teenage drivers.
1- Minimum age for learner’s permit of 16 and longer, up to 100 hours, supervised training
2- Night driving ban
3- Limit the number of fellow passengers
4- More parental supervision and involvement in the learning process
5- Good adult models to set a good example
Bottom line, teen drivers continue to have more accidents than adult drivers and insurance rates will continue to reflect that, however, with a little help, parents can provide needed oversight so that their teen drivers can enjoy a good driving record and eventually be able to. get some cheap insurance for young drivers.
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