Adult Drivers

Adult drivers, it might be unnecessary to say, make up almost the entire complement of motorists using the public roadways. Some states allow minors to begin to drive at sixteen years of age and issue them drivers' licenses that are different in some aspects from those of adults and are very easily distinguishable. In some states, a very clear distinction is drawn between the two groups, with teen drives under the age of eighteen, being eligible only for provisional or intermediate license. To be awarded this, and to earn the adult permanent drivers license at eighteen, the teen must complete very specific training and preparation over a set period of time.

Motor vehicle insurance companies also make a very clear and unmistakable distinction between adult and teenage automobile insurance. They charge higher premiums for teenage drivers, even if they are legally adult. This special treatment continues in the insurance and other sectors of the motor vehicle industries until the young adult reaches the age of twenty-five. Up until this age, a young adult is not able to rent a car in many states, and in those where it is possible, a multitude of conditions and restrictions are applied.

Drivers Over Twenty-five

The rules of the driving world are all the same for older adult drivers, and they are different. Adults are assumed to be more responsible motorists, safer drivers who are less prone to the speeding and reckless driving that are said to be characteristic of many younger drivers. Of course, older drivers are also very capable of reckless driving, drunk driving, road rage, speeding, causing accidents, and leaving the scene of an accident. Yet, older adults are held to a different standard, and have more negotiating power when it comes to purchasing motor vehicle insurance and it is reflected in their car insurance rates.

The business of automobile insurance carriers and agents is to provide coverage for and against people behave in this manner on the roads, but they do not actually like it when their customers misbehave. Misconduct on the part of insured motorists often means that the insurance carrier will be required to pay up a claim. Often they do, and as a consequence, place a penalty on the customer which takes the form of increased automobile insurance quotes.

Adult drivers can avoid these consequences by being more polite and careful, that is to say, more defensive drivers. Taking a course of defensive driving training can earn a motorist a decent discount in the size of his or her automobile insurance premium, particularly if the training was not ordered by a traffic court judge. On the other hand, running a red light or racking up speeding tickets will often result in points to one's drivers' license, a deteriorated driving record, and a consequential increase in the cost of auto insurance.

Driving under the influence of drugs or alcohol and hit and run are two examples of extreme misconduct that are so serious they are not considered traffic violations. They are very serious criminal offenses. Either one of these could earn the offending motorist extensive jail time, huge legal fees, a long lawsuit if someone was injured or killed, and a suspended license or altogether revoked driving privileges. Having the drivers' license suspended will certainly remove any chance of low auto insurance quotes at the end of the suspension period. Needless to say, the cost of car insurance will skyrocket for any adult drivers found guilty of either of these offenses if were even likely that person could buy insurance anywhere. Insurance carriers may choose to not renew a policy or to refuse coverage.


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