If you are a new driver and looking for an insurance coverage for your car, driving your premiums down by getting discounts is actually quite possible. Since you are a new driver, your risk is not yet known so your premiums can commonly reach 25% higher or even more. On the part of the company, this is a precaution.
These common tips are known to reduce your premium rates:
- Taking driving education courses
- High marks for students
- Safety devices in cars
- Good accident and stability faculties
Safety devices like airbags are very good for new drivers because they can lower car insurance premiums for you. Safety devices like airbags function even without prior experience for the driver. These installations can save lives and prevent medical damages. More and more devices are being put out into the market these days and this translates to lower insurance for new drivers. For example, these days, stability which is electronically controlled is common to keep a vehicle on the right track. If you are a new driver, you can look at the possibility of safety devices to keep your insurance down.
Another tip for those with no prior experience is to take voluntary driving courses. Of course, by voluntary it means not ordered by the court. These certifications of good driving capabilities can be a good indication of your responsibility on the road. They are really great since they actually give you great training and reduce your premium rates.
These driving courses can be taken from certified places offering them. If you are a student, you can choose to enrol in a driving course offered by your school. However, in contrast to third-party sources of education, these will not be as good. However, all in all, it also adds to your responsibility in following the rules of the road. In addition, students who are new drivers can also maintain a grade which is high to keep their premiums down. Commonly, an average grade of 3.0 or better is the point of discount. Like the extra driving courses, having high grades gives an impression of your level of responsibility.
After you have gotten your insurance policy, it is imperative that you keep your records safe. You have to keep in mind the rules when driving on the road. Be familiar with signals and the speed limits in your area. Learn who has the right of way in different situations. Having these checked, you are sure to have lower car insurance premiums for the rest of your life.