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To begin with, insurance companies consider it as a risky undertakes to provide cover for cars driven by the teenagers (Schultz, 2010).
The fact that teenagers are young members of society and who have little life experience is enough to disqualify them as drivers.
Compared to the older drivers, teenage drivers are likely to underestimate dangerous situations on the roads.
Insurance companies assume teenagers to have poor judgmental power and can make wrong decision to cause avoidable accidents (Schultz, 2010).
This fear makes insurance companies charge high premiums on car driven by teenagers, and this becomes expensive and unaffordable to some families.
Road carnage statistics gathered in 2010 indicates that 2700 teens between 16 and 19 years died in road accidents where drivers were teenagers.
Besides the deaths, about 282000 of teenagers suffered serious injuries from car crashes that necessitated their admission in emergency departments.
Teenagers are usually very curious and tend to try many things irrespective of the dangers attributed to their practices (Plotnik & Kouyoumjian, 2011).
Leaving such individuals to drive is very risky since they will be in their continuous process of learning.
They also have poor cognitive ability that impairs them from rightfully recognizing dangerous situations.
Furthermore, teenagers exhibit behaviors that demonstrate carelessness and low precaution.