It’s no secret that teen drivers in Louisville face some of the highest insurance premiums. The main reason is lack of driving experience—insurers see new drivers as higher risk because they’re statistically more likely to be in accidents. Add in distractions like phones and higher accident rates at night, and the costs really go up.
Some ways to save include adding the teen to a parent’s policy, completing defensive driving courses, and looking for good student discounts. It also helps to choose a safe, modest vehicle instead of a high-performance car.
Before deciding on a plan, it’s smart to compare car insurance quotes in Louisville, Kentucky because different companies calculate teen rates differently.
Any parents or young drivers here found good ways to cut costs without sacrificing coverage?