When you are a new driver, looking for new car insurance is not going to be easy. The worst part would be the cost because new drivers get charged more by companies due to their inexperience on the road. It is not that hard to get affordable insurance if you are willing to exert effort in looking around.
One of the best ways to reduce new car insurance premiums is to drive a safe car. Different insurance companies have cars they classify as safe. Driving a car that is considered safe by insurance standards would ensure that you would get the best premium from the company. Sure, it would involve sacrificing style over safety, but as they say, “It is better to be safe than sorry.”
Moreover, having a more expensive car would mean higher rates. High-end luxury cars cost more to insure than regular cars because of several reasons. For one, these types of cars get stolen more often and their replacement parts are more expensive. However, there are exceptions in this rule. Take the Volvo for example, while it is a more costly vehicle, it can be insured less because they cause damage that is not too severe when hit, and they do a better job protecting the driver and passenger.
Another way is to attend driving school. Most people are not aware that they can save as much as 15% on their insurance when they undergo driving courses. Just make sure you get your certification from the driving school you attended so that you would be eligible for a discount and also make sure that the driving school you are going to is certified.
When looking for new car insurance consider widening the choices of companies to choose from. This would give more opportunities to compare and contrast the different rates, coverage, and services being offered.
If you are attending school, check if insurance companies offer good grade discounts for new car insurance. Some companies provide lower rates for students who are doing well in school. This is because students who get good grades are also likely to be careful and responsible drivers, lessening the chances of ending up in accidents or crashes.
When you really want to save money, you can get lower coverage. However, this may pose a problem because you may be paying a lower monthly rate, but there would be more risk if in case you end up in an accident. It is always important to have the proper insurance coverage so that there would be no worries in facing the risks when driving.
