Auto insurance companies know that young drivers, especially those under 21, cause more than their share of serious accidents. While this usually translates to much higher premiums for teens and young adults, there are ways to stay safe and make insurance more affordable at the same time. Here’s a closer look at how to make inexperienced drivers more safety-minded.

How to Avoid Tickets & Accidents

Stay Focused

Driving might seem easy, but it’s actually an involved and complicated task that requires 100% of your attention. Distracted driving is one of the leading causes of accidents for young drivers, so put your phone away and avoid eating or doing anything else when you’re behind the wheel.

While it’s possible to use a hands-free setup for safe phone use while driving, it should still be restricted to GPS and those functions that can be performed entirely with the voice, such as phone calls and transcripted text messages.

Buckle Up

Seat belts are the single most effective safety mechanism in your vehicle, saving thousands of lives and preventing countless injuries every year. Buckle up every time you get into the car and make sure all of your passengers do the same before leaving the driveway or lot.

Don’t Speed

Exceeding the speed limit can make it impossible to react in time if someone suddenly stops or pulls out in front of you. It also increases the chances of losing control of the vehicle, especially if you haven’t been driving very long. Going the speed limit reduces the risk of an accident and prevents expensive tickets that will drive up your auto insurance premiums.

How to Lower Insurance Rates

Your age is an important factor in determining your insurance rates, but it isn’t the only one. In time, maintaining a safe driving record will bring your premiums down, which is why it’s especially important to avoid tickets and fender benders.

Many insurance companies also offer discounts for good students, so studying for your exams can actually save you money. Taking a safe driving course can also bring your premiums down and give you the skills to avoid accidents in which someone could be seriously hurt.

No matter your age or level of experience, Seeman Holtz is dedicated to helping you manage risks with tailored auto insurance at the lowest possible rates. From their headquarters in Boca Raton, FL, they help drivers nationwide protect themselves, their loved ones, and everyone else on the road. Visit their website for more on their personal insurance services or call (800) 991-3592 to request a free quote.