How to Save On Your Auto Insurance Premiums When You Are Learning to Drive

If you’re a brand new driver, still in the learning process, then you’re likely worried about how much you can expect to pay for your automobile insurance premium. While it is true that insurance premiums can be quite a bit higher for inexperienced drivers, the good news is that there are things that you can do to help lower these premiums. One option, of course, for young minor drivers is to wait until they are eighteen to get their licenses. This will significantly lower automobile insurance rates. Of course, most people don’t want to wait that long and if you’re one of them, you can still start driving today without spending a fortune.

First and foremost, you need to find a good automobile insurance provider, preferably one that offers many discounts to its customers and that has special programs for minors or new drivers. Finding such a provider is easy, as long as the driver is willing to do a bit of research and to take the time to make a fully informed decision. This is the first and most important step in securing affordable automobile insurance, and time should be taken with it.

Once you have a good provider, it’s time to start figuring out which discounts you are eligible for. If you are still in school, either high school or college, and have an A or B average, you may qualify for a “good student” discount, which can actually be quite hefty. If you don’t, then start working to get those grades up right away; insurance discounts are only a report card away. You can also save money by opting to take approved driver education courses, above and beyond what is offered in the schools, or by taking a defensive driving course. Installing safety features and/or anti-theft features on your car can also help you to save money.

One of the biggest (and most expensive!) mistakes new drivers make is purchasing a brand new car. In general, the newer a car, the more it will cost to insure. So, the high insurance rates for a new car compounded with the high insurance rates for a new driver simply do not mix. Plus, you’re likely to get into an accident during your first few years of driving, and it’s best if you have a car that won’t be too much of a loss if this happens. Though it might not sound too fun, opting for an older car, at least for the first few years of driving, is a smart idea.

Finally, new drivers can take heart in the fact that, the more experience they gain, the lower their rate will be. Whenever an insurance renewal period comes up, during which the driver has had no accidents or speeding violations, the policy will be adjusted accordingly. So, you are basically awarded for the experience you gain and for your own safe driving. All it takes is a little time and effort, and those rates will be completely manageable!

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