Driving at 25

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I remember when I was just started driving.
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I was just a teenager who loved having the
ability to drive somewhere instead of being
forced to walk or find a ride.
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My parents though were not as happy as I was when
it came to me driving though.
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The reason for this is that I was a teenager at
the time, and insurance is usually quite high for
teenagers.
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My parents would always tell me that when I turn
25 my insurance costs should go down.
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I never really thought of it too much at the time.
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The reason for this is that my parents were
paying for my insurance, so it wasnt something
that I needed to worry too much about.
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However, as a college student, and someone who
pays their own bills now the thought of having
cheaper insurance premiums does seem nice.
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Dont get me wrong my premiums have gone down
some, but I cant wait for the day when I turn
25, so that my rates will get even cheaper.
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I now want to explain to everyone as to why your
insurance rates should go down by the time you
turn 25.
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The first reason why a good portion of peoples
car insurance premiums decrease by the time that
they are 25 is that they usually have eight to
nine years worth of driving experience, and if
this experience doesnt include any wrecks or
moving violations then there is a clear pattern
that you are a safe driver.
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When insurance companies see this pattern they
recognize the fact that they dont need to charge
youre a higher premium in order to cover the
cost of insuring you.
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An additional reason why insurance rates tend to
go down for people who are 25 is that this is the
average age when people start to consider getting
married and having families.
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A married individual is less likely to make
impulsive decisions that could put them or their
family in harms way.
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This is another indicator to insurance companies
to charge a lower premium.
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The third reason why insurance premiums decrease
when you turn 25 is that you are less likely to
file a claim.
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In the state of Texas when a policy holder files
a claim the insurance company must report it.
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This means that even if your insurance company
doesnt pay anything out for the claim it stays
on your record.
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One of the most crucial factors from which
insurance companies determine premiums is the
number of claims.
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Another reason why someone at least 25 may choose
to not file a claim is that it is just cheaper to
pay for the repair than the insurance premium.
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This keep a claim from being filed which
decreases the chances of having a higher
insurance premium.
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In conclusion, drivers should now have a better
understanding of why auto insurance premiums are
lower for people driving who are at least 25
years old.