Car Insurance For Teens May Need Reform Of Its Own

If you have a teenager that is of age to drive this article will come as no surprise to you. Our son just turned 16 years old and of course he wants to drive. We actually won’t have any trouble getting him a vehicle albeit it won’t be a new one. Recently we called our car insurance company to get a quote on car insurance for our boy. While car insurance shopping we priced rates outside of our own company.We experienced sticker shock to the power of 10. For our young driver, who has a great point average of near 4.0 and obviously no bad reports on his driving record it will cost $3800 per year. Let me repeat that it will cost $3800 a year for our 16-year-old to drive our family car.now I know that the country is in a healthcare reform debate. We very well may need to reform car insurance as well. I understand the risk involved for a 16-year-old to drive the vehicle. My thinking is that until that 16-year-old gets a speeding ticket or has an accident $3800 a year is a bit absurd.the only other alternative I can think of at the time is to raise the legal driving limit a year or two and perhaps that will help lower the cost. The fact is I have not met many 16 year olds that are mature enough to operate a vehicle safely. That includes my son. So perhaps the remedy is not letting him drive a vehicle by himself until he 17.