Why Are Teens Regarded High Risk Drivers?
Car insurance quotes will be a useful tool for anyone looking for an advantageous auto insurance policy. However, it will not be as easy for everyone. Teenagers, for instance, represent what many in the auto insurance industry consider as being “high risk” clients. Is this simply an unfair scheme on their part to charge higher premiums, or is their position motivated by real world facts and figures?
This is where statistics are important. It has been proven statistically that, for each mile of driving, a teenage driver is much more likely to be involved in a crash than an adult driver, the exception being only the oldest among them. During their first months after getting a driving license, the risk of being involved in an accident is very high, and the number one reason is simply the lack of driving experience. It is something that the vast majority of us can relate to, because we all became drivers by not having any experience when we started. Then there is another reason why teens are statistically more likely to be involved in car crashes, but it may not apply to all of them: the lack of, or an underdeveloped sense of responsibility. Many of them will see the car as a symbol of prestige but will ignore the risks involved when driving it, risks that apply to themselves as well as to others.
In general, several factors can contribute to teenage car crashes, and all of them are relevant to their categorization as high risk drivers. Driving under the influence of alcohol is one of the most common. Another one is driving during the night. For every mile driven, the fatal crash rate of youths between the age of 16 to 19 is about 4 times as high at night as it is during the day. Another potentially fatal error inexperienced teen drivers make is driving with passengers on board, especially other teen passengers who tend to distract the driver. Just over half of teen passenger deaths occur in crashes with teen drivers.
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