- Driving education is a great help. Most car insurance companies offer lower rates to first-time drivers who have completed driver’s education classes. Many schools offer driver’s education classes to students, so it is possible for a new driver to still be in highschool. This is a great way to get lower rates. A driving class is available for individuals who are not in school. It will lower your rates and make you a safer driver.
- Insurance rates can go up if you drive more than usual. Insurance companies will often ask where and how often the driver will be driving the car. You might be asked about your expected mileage per week, or monthly. Be honest with them but don’t underestimate either. Insurance companies base their risk calculations and some premiums on mileage. The statistical risk of an accident increases the more you drive your car. Car insurance rates can be reduced by limiting the driving time of the new driver to school and work.
- Some companies offer a great student discount for new drivers who are under the age of 18. This may be due to the fact that maintaining B grades is difficult and younger drivers may be more responsible than others their age. Good grades can help you save up to 15% on your car insurance.
- Avoid sports cars and make sure you choose the right car for your needs. This will ensure that you get the best car insurance rates. Insurance for cars built for speed is more expensive. Full coverage insurance is required to protect your bank investment. Rates are higher for comprehensive coverage. It is important to have a reliable and safe car. However, if the vehicle is flashy or too new it could cost more insurance.
- Compare the rates and coverage of different companies. Although loyalty is a great thing, it’s not the same for every driver. It’s important to consider the needs of the new driver. Comparing rates and coverage from different companies can help you save money and get the best coverage.
Insurance provides protection against the unforeseeable and every driver should have it. Even new drivers don’t need to spend a lot if they shop well and follow these insurance tips.