Congratulations on passing your test. Now you have the job of finding cheap car insurance for new drivers.
Why do insurance companies appear to discriminate against a newly qualified driver or young vehicle owners? All auto accident premiums are calculated based on statistical risk and unfortunately the statistics for new and young drivers reflect poor driving practices and increased chance of accidents. You are up to four times more likely to be in an accident than an older driver and that makes the companies who provide this cover nervous.
In order to become a good driver, you need experience and practice. Sure you have passed your test and that is fantastic. But it bears little resemblance to being out on the road on your own in charge of a motor.
Accidents happen for all sorts of reasons. You may not be speeding or tailgating but may have simply misjudged the situation. Weather conditions also impact and unless you are used to driving in all sorts of rain, mist and fog it is very easy to experience a problem. See if your local law enforcement agency offers a defensive driving course. If you pass this type of test, you will be seen as a much better driver and your accident policy premiums will be adjusted accordingly.
So what can you do to get the best cover at the lowest cost? Be sensible in your choice of first car. Forget about the new sports cars and choose a medium sized, safe, family car. Don't add any enhancements such as extra fire power in the engine. If you can afford it, fit extra security and safety devices. Build up some experience and a track record and then you can move onto the cool car.
Stay out of trouble and concentrate on your studies not just to pass your exams but to claim any discounts on offer for great grades. Some college sororities have access to group discounts on car insurance. Remember if you are in charge of a car, it is not only your behavior but those of your occupants that you need to be concerned with. So don't allow anyone to drink alcohol or take drugs in your vehicle.
Increase your deductibles on the policy to lower your monthly or yearly cost. If you live at home, see if your parent's insurance cover offers a multi car discount and then talk Mom and Dad into passing all the savings over to you! Also check your policy to see that you are not duplicating cover. You may be covered for certain items under household or medical policies.
Depending on your age, you may not yet have built up a credit record. This can affect your quote as having a clean credit reference will positively affect your insurance premiums. So if you are old enough, apply for a credit card with a low limit, use it wisely, pay it back and build up that credit score.
Finally shop around to get the best deal you can for cheap car insurance for new drivers.
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