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Bradenton, FL, 34205
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Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.


Should Young Drivers Get Auto Insurance?

Matthew Smith

Starting to drive is an exciting chapter in anyone’s life. Along with all the excitement, it’s important to keep track of your safety and protection. Auto insurance is one way young drivers can protect themselves.

Young drivers

What is Auto Insurance?

Auto insurance offers financial protection to drivers and vehicle owners, no matter their age. It is designed to protect vehicle owners against losses arising from an accident, collision, theft, vandalism, hail, and so on. 

Do Young Drivers Need Insurance?

If you are 17 to 25 years old, you are required to get auto insurance. Auto insurance protects young drivers against losses arising from unfortunate events, such as an accident, collision, theft, vandalism, hail, and so on. 

In addition to protecting drivers, many states, including Florida require vehicle owners to maintain auto insurance.

How Much Premium Do They Have To Pay?

Generally speaking, auto insurance is more experience for new and young drivers. Here are some reasons why:

  • Insurance premium is based on risk level. Young drivers have unproven or less driving experience on the road and are therefore considered riskier than experienced drivers.
  • Young drivers are more likely to engage in distracted, reckless and dangerous driving. This increases their risk level and premium.

Ultimately, an individual’s driving experience, risk level, age, choice of car, and several other factors affects the cost of auto insurance.

Simple Tips To Lower Insurance Premium

Young drivers can take these steps to reduce their premiums:

  • Drive safety in order to prove to an insurance company that they are responsible behind the wheel.
  • Drive less. Lower mileage can lead to lower insurance premium.
  • Add a parent or a low-risk driver as a second driver.
  • Driver a simple car. Generally, auto insurance companies tend to charge more for modern vehicles.
  • Shop around to get the best insurance coverage at an affordable rate. Try to approach at least 3 insurance companies. Evaluate each provider’s coverage, premium and conditions. This way, you can choose a comprehensive auto insurance policy that fits your specific needs and goals.

At Manatee Insurance Services, Inc., we can help you get the best auto insurance coverage for your vehicle in Florida.

Whether you are driving a brand new or old car, we offer clients the best possible auto insurance coverage at great rates from leading auto insurance companies. Get more details here.