Tips for Getting New Driver Car Insurance
Growing up has many milestones and one of the most expensive in some cases is purchasing new driver car insurance. Insurance companies charge a premium to ensure young drivers who have no prior driving history. This lack of information puts the driver in a higher risk category resulting in higher premiums right from the start. There are a few ways to get a better quote for new driver car insurance, and they include but are not limited to the following.
Driver Education
There was a time when nearly every school system across the country provided driver education courses, today that is not the case. Few if any public high schools still offer this as an optional course, which is unfortunate as graduates were often, offered lower insurance rates based on their performance in the class. The good news is there are several independent companies around the Sacramento area that offer drivers education.
In addition to driver's education discounts, some insurance companies also offer what they call a good student discount for new drivers who maintain a specific grade point average.
Discount for Parents
Many times the first insurance for new drivers will be an addition to their parent';s current policy. This is a quick way to become insured and if the parents are long time clients and maintain several forms of insurance with the company it is sure to be cheaper than striking out on your own. Of course, this scenario will vary and be largely dependent upon the particular insurance company they do business with.
Law Abiding New Driver
Getting new driver car insurance is not the end of the scenario, there is also the concern over keeping it and not unintentionally spiking the premiums through careless driving or not observing state and local laws. For example, new teen drivers may not transport anyone under the age of 20 for the first 12 months unless there is a licensed driver 25 or older also present in the vehicle. Tickets and accidents related to not abiding by these and other new driver laws can quickly increase your insurance premiums.
Other Potential Discounts
New driver car insurance is necessary, but that does not mean you want to pay an arm or a leg for it, so it is important to explore as many potential discounts as possible. Does your vehicle come with an anti-theft device? This can be vitally important for the Sacramento area as car theft is a very big concern for both owners and insurance companies in this area. Other potential savings can include:
Driver Education
There was a time when nearly every school system across the country provided driver education courses, today that is not the case. Few if any public high schools still offer this as an optional course, which is unfortunate as graduates were often, offered lower insurance rates based on their performance in the class. The good news is there are several independent companies around the Sacramento area that offer drivers education.
In addition to driver's education discounts, some insurance companies also offer what they call a good student discount for new drivers who maintain a specific grade point average.
Discount for Parents
Many times the first insurance for new drivers will be an addition to their parent';s current policy. This is a quick way to become insured and if the parents are long time clients and maintain several forms of insurance with the company it is sure to be cheaper than striking out on your own. Of course, this scenario will vary and be largely dependent upon the particular insurance company they do business with.
Law Abiding New Driver
Getting new driver car insurance is not the end of the scenario, there is also the concern over keeping it and not unintentionally spiking the premiums through careless driving or not observing state and local laws. For example, new teen drivers may not transport anyone under the age of 20 for the first 12 months unless there is a licensed driver 25 or older also present in the vehicle. Tickets and accidents related to not abiding by these and other new driver laws can quickly increase your insurance premiums.
Other Potential Discounts
New driver car insurance is necessary, but that does not mean you want to pay an arm or a leg for it, so it is important to explore as many potential discounts as possible. Does your vehicle come with an anti-theft device? This can be vitally important for the Sacramento area as car theft is a very big concern for both owners and insurance companies in this area. Other potential savings can include:
Safe Driver Monitoring- a device installed on the car to monitor speed, braking and other potentially dangerous driving habits.
Low mileage- if you do not drive far to school or work you could get a low mileage discount
Multiple car- any time you insure more than one vehicle you can receive a multiple car discount.
Low mileage- if you do not drive far to school or work you could get a low mileage discount
Multiple car- any time you insure more than one vehicle you can receive a multiple car discount.
Final Thoughts
Car insurance is mandatory in all 50 states of the union, though the limits of liability will vary from state to state. This means that no matter where you live you will have to deal with purchasing new driver car insurance at least once in your life. Take your time to determine all your potential discounts and savings before purchasing your policy.
Car insurance is mandatory in all 50 states of the union, though the limits of liability will vary from state to state. This means that no matter where you live you will have to deal with purchasing new driver car insurance at least once in your life. Take your time to determine all your potential discounts and savings before purchasing your policy.