Help! Why is new driver insurance so expensive? Insurers have difficulty offering "cheap" prices to new drivers, since this group is rated in the category with the highest level of risk. Policies for teens are always outrageously priced - on average in the US more than $ 3,500 per year. This is due to the high frequency of accidents and deaths for this age group. In principle, new drivers are very inexperienced and react more slowly to dangerous driving conditions. This situation makes it almost impossible to find cheap new driver car insurance.
Even the adult age of new drivers is paying more for car insurance, although, fortunately, not as long as teenagers. Most insurance companies will provide adults (over 25 years of age) with new drivers at a lower standard price after they complete the training and receive a full license.
Tips for reducing the high cost of car insurance
Here are some tips to help you save money as quickly as possible by insuring a new driver:
1. Prioritizing clean driving records will allow you to get the lowest rates for your rating class. It is also important for parents to correctly guide the teenager of a new driver and to be a good example while driving. Spending the necessary time to train and train a young driver will later pay dividends. Online resources are available to assist with this training, and major auto insurance providers have online programs on their sites to assist in the learning process. In addition, many insurers will give an immediate discount on the application if the teenager completes the course of the protective driver before you start driving.
2. Usually, policy skids are offered to reduce (sometimes sharply) insurance premiums. If a new driver is a student, you can get a 10% or more discount if they earn an "B" on average or better at school. Discounts are also available for all drivers to ensure vehicle safety, such as ABS brakes, anti-theft devices, several airbags, etc. If your cars have these characteristics, it is convenient to check with your agent. Discounts are also offered for insuring more than one car and for merging more policies with the same insurer. If you have older cars (without loans), coverage limits can be eliminated for collision and comprehensive insurance to save extra money. In addition, deductibles can be increased to lower premiums if necessary.
3. Type of vehicle. In general, low-cost car insurance is usually cheaper. Four-door domestic vehicles, such as mini-vans, cost less to insure and are safer in accidents. Light small cars can save money on gas mileage, but often higher premium costs are estimated. A slightly older, heavier, midsize car is probably the best for a combination of safety and lower insurance costs. It is important to avoid high-performance cars (for obvious reasons), luxury cars and large sports utilities, as they provide higher rates.
Finding a cheap new car insurance driver is difficult, but the strategies provided will help you save money and will certainly be worth your time.
