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Open your wallet to pay teen insurance

Teens are statistically the most expensive type of drivers to insure. Insurance companies are cognizant of the risk that teenage drivers represent, such as their higher probability of being involved in a car accident. However, the actual price that a family can expect to pay to insure their teen driver can vary dramatically. One large factor is location. The annual premium increase to insure a teen in Wisconsin may be very different than insuring a teen in California.

The Centers for Disease Control and Prevention says that the leading cause of unintentional teen fatalities is motor vehicle accidents. The second and third leading cause of death for individuals aged 15 to 24 combined do not quite add up to the number of deaths for traffic-related incidents involving this age group. Many states have responded to the presence of dangerous teen drivers by imposing stricter regulations on teen driving, including limiting nighttime driving, limiting the number of passengers allowed in a vehicle and adopting graduated licensing programs.

While the average family can expect to see an increase in their annual premium of 84%, or roughly $2,000, this number can vary drastically between families. Insurance companies charge more due to factors such as the state where they live, whether the location is urban or rural, the driver's gender, the driving history and even the neighborhood.

Teen drivers tend to be more prone to distraction than seasoned drivers, in addition to being lacking in experience. If someone has been injured by a distracted teen driver, they may choose to seek compensation for their injuries. A Wisconsin personal injury lawyer may be able to help in seeking sums for medical bills and any lost wages from missed work.

Source: Market Watch, "Have a teen driver? Open your wallet", Jennifer Waters, July 11, 2013

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