How To Get Cheaper Car Insurance For New Drivers

If you are a new driver, you are probably, also, a teenager. That puts two marks against you in being able to get cheap car insurance for new drivers. Teenagers have six times as many accidents as people between the ages of 30 and 55. There are several things that you can do to make the cost of your insurance lower.

Encourage your teen to get good grades during high school. Many companies give a 10 percent discount for good grades. They think that a teenager who was conscientious and worked hard in school, will, also, be a conscientious driver who will follow the traffic laws and do his best to avoid accidents.

Purchase an older car that is known for being a safe car. Make sure it has safety devices such as airbags, stability control and anti-lock brakes. A four door family style car will make the insurance company feel better about selling you insurance, and your insurance may cost you less.

Call your insurance company and ask about driving schools that they accept for a discount. Enroll in one of these classes. Do your best, and prove you are serious about driving correctly.

Find an online website that offers insurance quotes from several different companies. These sites generally don't sell insurance themselves. All you have to do is fill in the necessary information, click the mouse and wait a few minutes until the quotes come back. If they still seem too high, try another site. There are some sites that deal directly with new driver's insurance. The competition between these companies may get you some lower rates.

After the new driver gets his license, don't allow him to drive by themselves until you are sure they can drive safely. You can continue to give them tips to help them with their driving. Let them know that you or another responsible adult will be riding with them in order to help them keep their record clean. Some companies will lower the new driver's premiums if they keep their driving record clean for three years.

Let the new driver know ahead of time that you will not tolerate him drinking alcohol or taking drugs. Explain that if he gets stopped for a DUI or for drugs that he will lose his license and the insurance company will drop him. His insurance will sky rocket when he gets his license back.

You can expect car insurance for new drivers to be more expensive because of their inexperience. However, by following these suggestions you can find insurance companies that will give you a break. Be careful, keep your driving record clean, and in a few years you will qualify for a reduction in your premiums.