subject: 5 Tips for Getting the Best Car Insurance Rates For First Time Drivers [print this page] 5 Tips for Getting the Best Car Insurance Rates For First Time Drivers
Driving Education helps and most car insurance companies offer a lower rate to first time drivers who have had driver's education classes. Often the new driver may still be in high school and many schools offer driver's classes for students. This is an excellent way to lower rates. Individuals not in school can enroll in a driving class which will not only lower rates but will help make them a safer driver too.
The more you drive the higher the insurance rates may be. Most insurance companies will ask about where and how often the new driver will most likely be using the car. They might ask about anticipated mileage per week or month, be honest but don't overestimate either. The insurance companies calculate risk and some of the premiums on mileage because the more a car is driven the greater the statistical risk of an accident. Limiting driving to school or work for the new driver can help keep car insurance rates down.
School age new drivers can also receive a good student discount on their car insurance from certain companies. The reasoning may be partly that maintaining grades of B usually requires some effort, and the younger driver may well be more responsible than other driver's of their age. Whatever the rationale is, good students can save as much as 15% off their car insurance with some companies, so good grades pay.
Avoid sports cars, and choose the type of car carefully to help get the best rates on car insurance for the new driver. Cars built for speed will cost any driver more in insurance usually. New cars will usually require full coverage insurance to protect the investment of the bank or financing company and rates are higher for full coverage. While it is important to have a safe reliable car, one that is too new and flashy may cost the new driver much more in insurance.
Compare coverage and car insurance rates over several companies. While company loyalty pays off in many ways, the new driver has special considerations and comparing several company's rates and coverage against each other can end up saving money and getting the best coverage possible for that new driver.
Insurance is protection against the unexpected and no driver, new or old can afford to do without it. However, even new drivers need not pay top dollar if they shop carefully and keep these simple insurance tips in mind.
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