Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 17, 2020

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Here's what you need to know...

  • Insurance companies charge higher premiums for drivers under the age of 25
  • IPDE is a process taught in some driving schools to help drivers prepare for any situation
  • As you age and gain driving experience, you can expect your rates to decrease


When you’re under 25, car insurance is very expensive. Although it may feel like you’re being penalized for being young, you are really just paying the price for the risk that goes along with being an inexperienced driver.

That means that if you’re under 25, car insurance is expensive; but there are ways to reduce your overall costs.

Compare online car insurance quotes with just your ZIP code right now!

Accidents can occur at any time, to anyone, and anywhere. However, there are some accidents that can be avoided by experienced drivers.

Driving can be taught, but experience is the best teacher, which means the more you drive, the more skillful you will become.

An inexperienced driver may have a gut reaction to slam on the brakes in order to avoid an accident while an experienced driver may see the potential accident coming up a couple seconds sooner and have a difference reaction.

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How Defensive Driving Education Teaches Experience to Reduce Car Insurance Premiums

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