| It is mandatory by most states to carry auto | | | | that offers insurance to teenagers. |
| insurance. Auto insurance offers protection to the | | | | Generally, car insurance companies determine the |
| vehicle owners in the event of a sudden mishap. | | | | premium on the basis of several factors, such as |
| Many states make it mandatory, for vehicle | | | | age of the driver, the type of car, driving record, |
| owners to obtain liability coverage to protect | | | | deductibles, and the credit score of the driver. |
| other drivers in case of an accident. There are | | | | The driving record of a driver is severely |
| different types of auto insurance in the state of | | | | affected by the number of accidents, and the |
| California. High-risk auto insurance is offered to | | | | violation of traffic rules. The number of speeding |
| drivers, who may be considered as high risk | | | | tickets issued to drivers also wrecks the driving |
| drivers. Generally, the premium of high-risk auto | | | | record. Most insurance companies refer to the last |
| insurance is relatively high. | | | | three years of a driver?s driving record, while |
| Teenagers are also considered as high-risk drivers, | | | | evaluating the premium of the policy. Women are |
| due to inadequate driving experience. As a result, | | | | considered as safe drivers as they usually drive at |
| they are charged very high premiums. There is a | | | | lower speeds. Drivers in the city may be charged |
| growing need to make the teenagers understand | | | | higher than drivers from small towns. Newer cars |
| the importance of a good driving record. Safe | | | | also attract high premiums. |
| driving and a good driving record are important | | | | Many reputed insurance companies refuse to |
| factors that contribute to a lower premium. | | | | offer insurance to high-risk drivers. However, |
| Insurance with higher deductibles always attract | | | | there are several insurance agents specialized in |
| lower premiums. High-risk insurance is also required | | | | providing insurance, to high risk drivers and drivers |
| for cars that can be considered as high-risk such | | | | who own a sports car. The insurance companies |
| as sports cars. It is recommended to verify the | | | | may also exercise some limitations, on the types |
| class of the car before buying it. Teenage drivers | | | | of coverage offered to such drivers. |
| can buy a ?stand alone policy?, from a company | | | | |