In the US as soon as a young man reaches the age of 16 wants to have his own vehicle. But the majority of young people are considered drivers of higher risk, due mostly to their inexperience in handling, and the imprudence they commit for their lack of practice; car insurance companies take these into account and that is why they increase up to 50% for car insurance for 18 year olds.
It is very difficult for most young people to cover the coverage of insurance policies, and that is why they have to buy cheaper and more accessible cars to be able to insure them.
Car insurance for 18 year olds: Factors that take into account
The insurance companies, will take into consideration some factors to insure a car to a young person under 18, such as the vehicle brand, driver’s age, driving license in order, if he has had, some infractions, the seriousness or penalty of these ; among many other factors that are taken into account.
The chances of a young man suffering a road accident are much higher and insurers know it. That is why it is essential for a young person to know how to choose a safe car, and that it is within the reach of their budget and that of their parents, in this way they will have more advantages when insuring it. The insurance beatings companies are attentive to all these details.
How to find the ideal car to insure and make it economically accessible for a young person under 18 years old? The web offers some alternatives. You just have to find the right information and make comparisons between the different brands of vehicles, the most important thing is to find a safe and comfortable car that an insurer can cover without any problem, and that is accessible to the young man and his parents.
But both the young man and his parents, must take into account all the aforementioned factors and take their forecasts to reduce the cost of the policy. Among the forecasts to be taken are some detailed below.
Car insurance: Provisions that teens should take before insuring their car
- Take a driving course: This can greatly help the cost of the policy, insurance will receive a discount from the insurance company, there are even classes that are taught online, it is very practical for young people.
- Maintain high grades: With a high average, insurers make their rewards with averages of B if they are secondary or 3.0 if they are university students.
- Continue driving safely: The more time you spend without accidents, the more likely you are to get a cheaper policy.
- Reconsider University parties: Some insurers, such as the Geico company, have discounts for students belonging to fraternities or fraternities.
- Do not drive with cars that attract attention: The more luxurious the car, the more expensive the insurance policy will be.
- Buy a very economical car and only acquire civil responsibility: It sounds logical that the first car of a teenager is really a walking pan, it will not need full coverage.
The younger a teenager is, the more expensive the insurance policy will be, especially for the male ones, but in the US, some states are much more expensive, such as Texas, New York, Daleware, Louisiana and Michigan.
In the case of parents’ cars, the adolescent does not necessarily have to have insurance, but the parents should establish it in their policy with their insurer. In case the young people move to a different address than the parents, perhaps the young person can keep the parents’ insurance.
But usually most insurance companies prefer that cars with policies be close to their owners; But with a contract that has “separate residence” policies or terms, it can be achieved without any problem: Of course, these terms may vary from one insurer to another, or they may simply not be in the company’s policies.
You only have to follow the agreement and policies of the insurers. What is certain is that already at 25, it becomes much cheaper to insure a car. The policy of the insurers establishes that only students under 25 years of age benefit from these policies, once they leave the university field, and they are over 25 years old, this policy usually loses its validity.
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What are the cheapest cars to insure for 18 year olds?
Costs vary depending on the year, brand, and model of the car. Next, the easiest cars to insure for a teenager will be named:
1. Fiat 500 – $ 14,995
In terms of reliability, security and good vision are one of the best options. It is a car very well equipped with the latest technology, despite its tiny size, young people will love its touch screen entertainment info that has on its dashboard.
It is very easy to handle and insurance will not cause the driver any problem; It is very economical, its value is between $ 15,000, and it is adorable for its retro style.
2. Hyundai i10 – 13,000
There are many benefits that this car has, such as how low its cost is, it is believed to be one of the cheapest in the market, and it has a great advantage, which is its 5-year warranty, for which You buy it second-hand, most likely you will have a few years of warranty.
It is a very practical car because of how spacious, safe, and comfortable it is, and how easy it is to drive. Its amount is $ 13,000, it is one of the least expensive teenage cars to insure, without a doubt an excellent alternative for a young driver.
3. Chevy Equinox – $ 26,645
A very elegant Crossover that young people will appreciate very well. Although it has its limitations in terms of technology and does not have too many powertrains; But it is still a good choice if you want to buy a safe car. It has a better visibility thanks to its rearview camera, the seats are very safe especially its airbag that is always kept under control. It is a very beautiful car that young people will appreciate greatly.
4. Ford Fusion – $ 20,795
If something has to be taught to young people, it is to save fuel in their cars, for how expensive it is, but in the case of the Ford Fusion, it is weightless for parents, since this is a very intelligent car that knows how to save a lot of fuel, in addition to its other benefits, which also include traction control and stability.
Its technology allows blind spots to be controlled and integrated, warns of the exit of the car from the lane, has an anti-lock mechanism in the brakes. Its cost is around $ 20,795, but the security and stability it offers is an excellent option for young people.
5. Honda Civic – $ 18,390
It is known for the additional security it offers. Among these features are, the reversing camera, in addition to the daytime running lights, also has an electronic to stabilize the car and anti-lock brakes; It is one of the few vehicles that have airbags on the sides, for the torso and head.
One of the most outstanding features, and that surely teenagers will love, is the connection of the Bluetooth hands-free phone, a great advantage to handle, this connection is integrated to the board and digitally controlled. For those parents who want maximum protection for their children, the hybrid model offers frontal crash prevention. The security will be much greater.
Something that may be of great interest to both the father and the son, is that it has cables that serve as bridges, in addition to a first aid kit, and some items that are indispensable for survival cases.
5. Toyota Prius – $ 24200
To teach the teenager to be more ecological, nothing better than the Toyota Prius, since its operation not only occurs with the usual fuel, it also works with batteries, that will be a great advantage, to save and take care of the environment, in addition to the other advantages it has.
It also has side airbags, for the knees, and anti-lock, and electronic control for stability, safety above all. The same teenager can select the way he wants his car to work, and this improves energy consumption, in this way he will be contributing to improving the environmental conditions of the planet.
6. Mazda 6 – $ 21190
For a teenager, it is a good option when he wants independence, and emotion, since it is not the typical family car, this is a sports car, which will delight any young person. If it comes to safety, this car has multiple airbags, to dampen any blow, an electronic stability control, daytime running lights, and anti-lock brakes.
It also has integrated monitored control of blind spots, best of all, it has an alert system at the rear of the vehicle. You can have greater control of the global vision of the car. Another excellent alternative for young people behind the wheel.
7. Mitsubishi Outlander – $ 22,995
For those young people who want to get attention to an SUV, this car is ideal, although it is small it is very safe. It has an airbag for the drivers’ knees, in the front and sides it also has an airbag, has rollover sensors, and stability sensors.
For the joy of young people, it has a 6-inch touch screen, a rearview camera, climate control, and is very wide as it allows seven passengers to be comfortably carried. A great option for a young driver.
8. Subara Outback – $ 23,495
It is classified as one of the safest cars, for its maximum protection against frontal collisions. For those teenagers who are very restless behind the wheel and like to rush is a good option. It has all the protection equipment such as side airbags, front, dump sensor, electronic stability control, and daytime running lights.
A great advantage that this car has and makes it unique, is that it has in its mirrors, with an EyeSight Driver Assist system, it has two cameras, these warn the driver of a collision before it occurs.
This system is of great help to the driver since it induces the driver to stay inside the lane when driving, by automatically stepping on the brakes, if the car is diverted without control. It is one of the most expensive cars but if it comes to protecting young people, it is one of the safest options.
9. Nissan Rogue – $ 22,790
For those young people who like to attract attention, The Nissan Rogue is one of the SUV cars with the greatest presence, comfort, and safety. Among its features is an airbag with curtains for the head in all seats, it also has an airbag for the torso, in the front seats, a rollover sensor, and electronic stability control.
Nothing better to make long trips, because of the anatomical shape of the seats, which reduce fatigue due to long hours of driving, helping considerably to maintain all the circulation in the body. The comfort will be total, nothing less could be expected from this beautiful car considering that for a teenager it would be the most expensive car.
These are the cheapest cars for young people of 18 years, they are just some models that have the necessary requirements for the safety of young people. Characteristics that the insurance company will take into account when acquiring a policy.
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What to expect from the cheapest cars to insure for 18 year olds?
As you can see in the details of the aforementioned cars, all starting with the cheapest ones cover in many ways the safety and comfort of young people. Regardless of the skills that each teenager has in driving, the cars meet all expectations of quality and safety.
A good way to know what the young person really wants when choosing the car is his opinion about what he wants to transport himself, to make him participate financially in the acquisition of the car; This way you will value more what you are going to buy.
It is very important when you buy a car, that it has a very complete safety equipment, such as a rollover sensor, anti-lock brakes, and so on, in addition to the aforementioned preparation of young people, in terms of their driving skills, as well as their up-to-date regulatory documentation, will thus be taken into account by insurance companies for a discount, or a much cheaper policy that meets the needs of the insured.
Carisbel Sanchez is a freelance writer with more than 6 years of experience. She is SEO specialist, Community Manager and has experience writing on topics such as technology, education, entertainment, among others.