New Driver Auto Insurance – 3 Secrets to Lowering Your Premiums
Most people expect new driver auto insurance to be costly, and there are a few reasons for this. For a start, because you haven’t driven before, the insurance companies don’t have a record by which to judge how good you are at driving. Secondly, you’re considered to be less experienced than those who have been driving for a number of years. You’re basically at an increased risk of getting into an accident, which means higher premiums.
But affordable auto insurance is still possible when you’re new and inexperienced, if you know how to look for it. Here are three must-know secrets for lowering your premiums.
1) Sign Up To More Driving Courses
You don’t need to stop learning once you’ve passed your driving test. In fact, the best way to prove that you’re good at driving – even though you don’t have a track record – is to take an advanced driving course. There are many of these courses available, and they’ll help you to show that you can drive in a number of different conditions and situations.
2) Young Drivers Should Use Their Grades To Their Advantage
Since a large proportion of new drivers are also young drivers, it makes sense to look into the ways in which school grades are linked to insurance premiums. Not everyone may realize that new driver auto insurance is often cheaper for teenagers and students who have, or are getting, good grades at school. As a new driver, you don’t have much of a track record to prove to the insurance company how good you are at driving. However, by showing them proof of good grades they can use this to assess your character. Good grades, in the minds of the insurance companies, suggest that you’ll be far less likely to get into an accident. This is why insurance firms will often give student auto insurance discounts of as much as 25%!
3) Look At The Details
One small detail could mean the difference between costly and affordable auto insurance. Make sure you check everything you’re signing up for – don’t take out more coverage than you need, see if you can get a discount by paying upfront, or even increase your excess if it means getting the premium you need. When you do take out your policy, try to build your no-claims bonus as fast as possible, and keep a clean driving record.
By implementing any or all of these tips, you could save a huge amount of money on your insurance. However, you must do your research and compare new driver auto insurance quotes from as many providers as possible. You may want to try approaching specialist firms, such as student auto insurance companies, and comparing them with traditional firms online to help find the best prices.
It doesn’t have to be difficult to find affordable new driver or student auto insurance. Check out New Driver Auto Insurance now to save yourself a huge chunk of cash, just by giving a few details to compare the quotes in your local area!