Top Six Things to Teach Your Teenage Driver Its always gonna be more costly to obtain motorist car insurance laptop or computer is going to be for more experienced drivers. Thats because insurance companies simply understand that new drivers are less experienced and so are more prepared to take risks, which makes them more risky to insure. However, theres something you can do to ensure your automobile insurance costs are lower, so you truly could get affordable (view link) motorist car insurance. If you have a very son or daughter which will soon be of driving age, and youve done a good little research on the impact of adding these phones your automobile insurance portfolio, youre probably still in a state of shock. Because one out of every two young drivers probably will possess a claim-producing accident or incident of their first couple of years when driving, insurance providers pass those actuarial realities onto you by means of outrageous policy premiums. Compounding the problem is the truth that automotive repair costs have undergone the roof during the last decade, which increases the average tariff of each accident or incident. This "perfect storm" of compounding costs means that youre well served to analyze every possible avenue for car insurance premium savings. Research has shown very clearly a 16 yr old to about age of 26 years are still inside the stages of brain development. The industry standard mentality of countless younger drivers is directly attached to the area of the brain that controls risk assessment along with the young brain wont mature of this type until the mid twenties. Consequently the car insurance for young drivers world wide reaches an extremely high premium. Its tempting I know, but when you have your parents address since it is in a nice neighbourhood however you have actually moved out, you could come across some serious trouble. Yes, its possible you will get a slightly lower insurance rate, but if you ever must make an incident plus your insurance provider discovers about your lie, your policy will likely be cancelled and you will likely be left holding the balance. No insurance carrier would like to fork out on claims, but they achieve this because you have a very contract together. If you lie about anything in your insurance policies then that will probably invalidate that policy by breaking your side of the contract. Insurance was made to will shield you from loss and liability. Companies collect regular premiums within you in exchange for the promise of indemnification should you suffer from or cause some other person to suffer a loss of profits. They will pay an agreed amount in the event of a major accident. This essentially takes you off the hook for major expenses that you could not afford.