When you are liable for damage to a car, liability insurance covers the costs.
Liability insurance rates are tied to the odds of someone being liable for injury or property damage. Teenagers pay very high rates for auto liability insurance due to their lack of driving experience. Teenagers can get liability insurance through their parents and their own policies after age 18.
Automotive Liability Insurance
Automotive liability insurance pays when someone is liable for damage to another person's car. Liability insurance does not pay for the damage caused by the bad driver to their own car. Auto liability insurance may also cover the medical bills of those injured by the liable party.
Methods for Teens to Reduce Liability Insurance Rates
Younger drivers pay more than experienced drivers for liability insurance.
Liability insurance rates for teenagers may be reduced by some insurers when they have high grades in school, since this can be an indicator for responsibility. Insurers frequently offer lower liability insurance rates if they complete driver's education classes, since this reduces the risk of the teen having an accident.
Reducing Liability Insurance for All Drivers
Both teens and adults can save money on liability insurance by owning cheaper cars. This can be accomplished by buying a used vehicle or simply a smaller car. Paying a higher deductible also lowers the liability insurance payment. Liability rates can also be reduced by taking driving education courses like defensive driving. Keep liability insurance rates low by avoiding citations.
