If you are a new driver, you'll be excited to hit the road. After all, you don't need to rely on others to move around. But before you plan a trip or start driving a car, you must consider car insurance.
As a new or young driver, insurance companies will consider you a high-risk driver because you're starting out. They will assume you may fall victim easily or make newbie mistakes that may cause accidents. This means auto insurance rates will be higher.
Do not fret if the insurance rates are beyond your budget. There are things you can do to secure affordable auto insurance without sacrificing the vital aspects needed to keep you safe when you're on the road.
Practice Safe Driving
Although today's world is full of distractions, new drivers must take care of their vehicles and practice safe driving. This will help reduce auto insurance premiums. If you are caught violating driving or traffic regulations, and the state uses a point-based driving system, premium rates will increase. So, avoid all distractions (including the phone) when you are on the road to stay alert and safe, as well as to keep insurance expenses low.
Take Advantage of Multi-Care Discounts
If you just received your driver's license but reside with your parents or guardian, you may lessen the car insurance charges. Request them to add you to their car insurance plan if the policy can accommodate several cars.
Most insurance providers often provide bulk rates for family members who live in the same residence and have several vehicles. Teaming the insurance coverages may increase the premium rates, but you cannot compare the expense to what you will pay for separate coverages for each auto.
Drive a Safe Auto
The fact that you are starting to drive doesn't mean you should use the oldest car in the garage. You will likely get auto insurance discounts when driving the latest model vehicle. These vehicles are easier to operate and come with the latest safety features you cannot find in old models.
As you get a new model car, remember that the type of vehicle also determines the insurance rates. For example, when you acquire a regular sedan, you will spend less on insurance compared to someone who buys a sports car. Such a car is built for speed, so it'll be costly to insure. Also, make sure the vehicle is in excellent condition before you hit the road.
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