How To Find Cheap New Driver Car Insurance
So many times I have experienced the anxiety of parents of new drivers and the new drivers themselves, as they shop for new driver car insurance. They know that the rates will be a bit higher from all the horror stories they have heard from their friends, but they aren’t quite ready to the reality until the numbers are placed in front of them. But don’t let this worry you, there are some ways to get this rate reduced considerably, but it will take some effort on the part of your new driver.
Insurance premiums are higher for new drivers because of their lack of experience on the roads and behind the wheel. Even though they are rookie behind the wheel, you shouldn’t have to break the bank to pay their premiums.
Here are some tips to consider as you shop for new driver car insurance.
* If you are going to your own Insurance Agent, then you need to ask about “multi-car” discounts. Most car insurance companies offer these discounts for multiple cars as well as discounts for having home and auto together.
* If you have two vehicles, and your new driver is going to be driving one of them, then you need to have your agent list him/her as a “restricted driver”. All this means is that you are the main driver, and your young driver is only a part-time driver. This saves you tons of money.
* Also, put your new driver on the least expensive car, possibly one that has “liability only” coverage. This does not mean that he/she can’t drive your other cars, but you won’t be paying the higher rate on a car with comprehensive coverage.
* Be sure your teen has been enrolled in drivers education. Many of the high schools provide this and will give your student a certificate of completion. If they don’t provide it, there are a number of Driving Schools in every city. This is also a benefit for older drivers, many companies will discount seniors when they go through a safety driving course.
* Grades! This is a biggie and where the effort of your student comes into play. Almost every company will offer Good Student Discounts, and this can save you a substantial amount of money, I have seen some up to 20%. So, if your new driver is making a 3.0 or better, he/she should qualify for this new great discount for new driver car insurance.
* If you new driver is in the Military, this is typically another discount offered.
Now you know what is available for saving money on new driver car insurance. Your job now is to compare the rates with these discounts among several companies, and get the best deal. If you find that another company does offer some better discounts than your current insurance company, you may want to consider switching. Some people think that it’s a difficult thing to do, but it’s not. The insurance company will take care of all the arrangements for you as far as canceling your old policy. Good luck in your search for the best new driver car insurance, one that will not break you or the bank.
Tags: car insurance companies, driver insurance, drivers education, driving schools, insurance agent, insurance premiums, own insurance
