Congratulations! You have bought your first car. You must also be thrilled about getting your first license. However, along with several other formalities, you need to purchase car insurance, so that you can hit the road with peace of mind. In the country, availing auto insurance for new drivers can be slightly costly. So, these tips for getting car insurance for new drivers can come to your aid.
Look for Economical Insurance Companies
New drivers should avoid going for big companies for insuring their cars because they usually levy a hefty premium. Conduct online research and find insurers offering discounts and special rates for first-time drivers. It is one of the most valuable tips for getting car insurance for new drivers. Although the premium would be higher than those for experienced drivers, you can still save some hard-earned bucks. The prices will be lower than those of established automobile insurance companies. However, you can expect only basic insurance with economical pricing, which is still better than driving an uninsured vehicle.
Enroll for a Driver’s Education Class
Those who enroll for driver’s training classes and successfully clear their exams get attractive discounts on automobile insurance premiums. It is because this training ensures that the first-time driver is well versed with the rules and regulations of driving both theoretically and practically. The auto insurance companies can have faith in their driving skills, as they are less likely to cause damage to their own or others’ vehicles. From the safety point of view as well, it is better to register for driving training. Expert drivers teach newbies various practical skills to maneuver cars on roads.
Become Part of Your Parents’ Insurance
Becoming a part of your parents’ insurance cover is also one of the crucial tips for getting car insurance for new drivers. However, to prove your eligibility, and to be a part of the same insurance policy, you need to reside in the same house as your parents. Additionally, the insurance company will consider your age and educational status before including you in their ongoing policy. This is why college students usually get a pass from insurance providers. However, in this case, the car should remain registered with a parent’s name.
Characteristic of the Vehicle
The present status of the automobile also plays a crucial role in deciding the insurance value. Most teenagers cannot purchase a brand new vehicle with the latest safety features, like adequate airbags, anti-lock braking systems (ABS) with electronic brakeforce distribution (EBD), and DRLs (daytime running lights). These arrangements make the car safer and reduce insurance rates. Similarly, sedans have lower premiums than a sportscar.
So, now you know about some basic tips for getting car insurance for new drivers. Follow them and enjoy a discounted insurance rate.