New Driver Auto Insurance And How To Find The Best Prices

August 23, 2017 · Posted in General Articles on Car Insurance 

Finding affordable new driver auto insurance isn’t always easy. New drivers are seen as the highest risk category to the insurance companies. Without experience on the roads, it’s more likely that new drivers will make a claim, pushing premiums higher. If you need to save money on your insurance then there are a few things you can do to help bring those premiums down.

If You’re A Young Driver

The younger you are the more difficult it could be to find a great insurance quote. Not only are you a new driver, but as a younger driver you’re also unfortunately seen as more reckless. You can still save money, however, if you take as many steps as possible to do things the right way. Staying on your parent’s insurance, for example, is a great way to save a chunk of cash while you’re still gaining experience.

Taking Further Driving Courses

Another reason why new driver auto insurance costs more than for others is because you haven’t yet proven either way whether you’re a good driver. If you want to prove that you will be safe when driving, you can take an advanced driving course after you pass your test. The course is going to cost you more money, but often the money you save as a result will work out even more, so it’s worth looking into your options.

Your Deductible

The deductible you sign up for can make a huge difference to the amount your insurance costs every month. The deductible simply means how much you’ll have to pay for repairs before the insurance company pays out. If your deductible is $100, for example, and repairs cost $300, you’ll have to pay $100 and the insurance will then pay for the rest. It’s important to think about this carefully – only go with a deductible you can really afford and that makes financial sense.

Do Your Research

Unfortunately it can be time consuming to find the cheapest new driver auto insurance quotes, but it’ll be well worth the time you take for the money you’ll save. There are now plenty of websites available designed to help make insurance comparison easier, letting you enter in all of your details and comparing at a glance which company suits you best.

The truth is that no one insurance policy will be best for everybody, this is why it’s important to do your own research and not just rely on what a friend did, for example. So many factors can impact how much you pay for new driver auto insurance, so get out there and start comparing to find the best deals.


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