Teens are not too lucky in terms of car insurance because of their attitude on the road. Most insurers are not willing to offer cheap car insurance for teenagers. They think teens will just crash their cars to a tree or a street light. Teens undeniably cause much reimbursement for insurers. Hence, they choose to put a high premium on car insurance for teens.
There are a few factors that increase the teens' likelihood of being involved in road accidents.
1. Teens are risk takers. 2. They are likely to be confused when faced with road emergencies. 3. They are inexperienced drivers. 4. They tend to be influenced by their peers.
Teens have brains that are likely to take risks. The self-control center of the brain is underdeveloped. This makes teens impulsive and emotion-driven. Their judgment is not yet fully developed too. Teens tend to look for new sensations, which they can get from new experiences. The more adventure-filled the experience is, the more exciting it is for them. Their impulsiveness overrules their foresight, which at their age is also underdeveloped.
Teen drivers tend to race on the road without thinking of dire consequences. Teens like the idea of going on a joyride, never minding whether they are racing past speed limits. Over-speeding puts them in trouble. But over-speeding is just one of their usual misdemeanors. Carefree teens are usually seen not wearing seatbelts and driving past red traffic lights. They also like racing along the roads, especially if they are with fellow teen drivers on the road.
Another problem with teens is they have insufficient problem solving skills. They may have better senses or motor coordination, but the part of their brain responsible for solving problems is not yet fully developed. When faced with situations when they have to make quick decisions, teens usually get confused. Such indecisiveness becomes their liability on the road, especially when they are already driving too fast. Those new to driving will tend to panic when they notice a police car chasing them after speeding.
The inexperience in driving leads many teenagers to be easily distracted. Common distractions are phone calls, text messages, music players, and other passengers. Distractions can put new drivers at risk. This is why people learning how to drive are taught how to ignore distractions.
Peer pressure can be a problem in many areas of a teenager's life, including driving. Teens want to please their peers even if it means putting themselves at risk. To them, it is important to belong to a group of people. If their friends like to speed, they do the same. If their friends ask them to go on a joyride, they do as they wish. Unfortunately, most teens do not realize the downsides of peer pressure until bad things happen.
Luckily, teens outgrow these issues, but many learn lessons the hard way. Insurance companies wait long before lowering the cost of car insurance for teenagers. Even if a teen decides to change bad habits now, he or she may not get cheap insurance right away.
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