Reader’s Question:

Hi, there! I am only sixteen years old. I hope you can help me find cheapest cars to insure. By the way, my name’s Harrison, and I’m from Florida. I need the cheapest car insurance for teen drivers there is available.

Harrison

Tallahassee, FL

You can go online to see an updated list of cars that can fetch you lower car insurance premium rates there in Florida.

You know, Harrison, buying a less expensive car means less expensive car insurance. That’s the usual rule. By the way, the “cheaper the car, the less expensive to insure” policy also applies to older vehicles. You might also be interested in looking for one. Be reminded that in buying older cars, you should look for factors such as reliability, safety, and the price, of course. SUVs for teenagers are out of the question. SUVs are powerful things. They react differently compared to regular cars. Young drivers are more inclined to overcorrect when steering. You see, it’s quite dangerous; this makes young drivers more prone to accidents. This is the reason why safety authorities advise against SUVs for teens.

Another reminder for you, Harrison: The lightest vehicles have the highest accident death rates. Nowadays, small cars, such as the Ford Focus, Honda Civic, and Saturn models are the most popular choices, but they aren’t actually ideal for young drivers like you.

A smarter choice for a teen driver is a bigger and a heavier car. You might not find it cool for your age, but that’s a smarter and safer choice for you. Minivans and large four-door cars have the lowest death rates. Car insurers use these variables when computing your car insurance rate.