18 Year Old Driver Auto Insurance Discounts in Florida
Reader’s Question:
I am an 18 year old male driver in 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 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.
Where Should I Be Shopping For Car Insurance For The Best Rate?
Reader question:
What happens if my car insurance policy is canceled and nobody else wants to insure me?
Maggie
Good question.
You don’t have to worry. Even when most car insurance companies won’t give you a policy, there is still a chance that some company might. There are companies that work solely with high risk drivers. Before giving up hope, get free auto insurance quotes online and shop around to see what all of the companies available have to offer.
If you still can’t find anyone to insure you under a policy, it might be time to join your state’s assigned risk car insurance pool. This pool randomly assigns you to one of the member companies which is then required to take you on as a customer. The rates for being part of an assigned risk pool are a lot higher than others.
Cheers,
Fashun Guadarrama.
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