As a new driver, you can expect to pay more for car insurance than a more experienced older driver. Not everything is lost, though. There are things you can do to make the cost of insurance less painful and bring down your rate.
- Compare: Ask more than one company for a quote. Compare prices.
- Don't drink and drive. This is obvious, but it needs to be said. Driving while drunk is not only dangerous, but it can also cost you in more than one way. If you are pulled over for DUI, not only will your insurance rates go up, but if you are under 21, it is illegal and your insurance company may cancel your coverage.
- Cars: Stay away from sport cars that are brand new, very expensive, and very fast. More horse power means a higher premium, and the higher the premium, the more expensive the car. Choose something old that has a lot of safety features. Companies give discounts for things like automatic seatbelts, airbags, and brakes that don't lock up.
- Contact your agent. Your insurance agent knows about all the discounts that the insurance company has to offer. Some of them might be right for you, but you won't know unless you ask.
- Student Drivers: If you are a new young driver who is still in school, keeping good grades (a B average or higher) could save you up to 25% on your insurance premium.
- Drivers Education: If you are a new driver, taking an approved drivers safety course will help your insurance rate. Before you take the course, talk to your insurance agent. You want to make sure that they know and like the place where the class is being held. Not only do you want to learn how to drive well, but you also want to get the insurance premium discount, so make sure it is one that your insurance company will accept.
Stay strong. You'll only be a new driver once; as you drive more, your rates will go down.
