Young Driver Insurance Discounts in Florida
Reader’s Question:
I am an 18 year old male driver in Delray Beach Florida and I would like to know if I will now get lower auto insurance cost since I am now legally an adult?
Adams
Delray Beach, FL
No, it is doubtful that you being 18 years old will lower your auto insurance rates. Though you are technically an adult you still only have a couple of years of driving experience and therefore still a high risk to an insurance company in Delray Beach Florida. If you are no longer in school then you may lose a good student discount and at 18 your car insurance rates could go up.
Typically car insurance rates for young drivers go down once you turn 25 years of age. Some insurance companies may lower their car insurance rates at an earlier age, such as 21, but normally 25 is the age at which rates lowers since statistically that is when motorists tend to mature and become less of a risk.
You may speak to your car insurance agent about what your insurance carrier’s guidelines are regarding car insurance discounts and also about their rating system as it relates to how many years you have of driving experience and how old you are.
Cheap Car Insurance Rates In Las Vegas
Reader’s Question:
If the insurance policy is written under two names and one of them dies, will the insurance rate will be cheaper? This is in Las Vegas, Nevada.
Romeo
Las Vegas, NV
If there are individuals on an insurance policy and one of them is taken off of the policy (for some reasons) in Las Vegas, then the insurance rate can be affected.
It is possible that it will be cheaper and it depends upon the rating system and if the insurance policy rates were higher at all because of the second adult motorist being on the policy.
To know how your specific insurance carriers rating system works and how your insurance rates would be affected in this type of situation you may contact your insurance broker since insurance rating system and guidelines vary.
The only rating factor difference that some insurance companies may see for is a widow versus single, typically though a widow rating variable would cost less than a single rating variable.
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