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If ya’re a new driver or a young driver, your automobile insurance rates can be a bit high; however, there are a few tips to help young or new drivers find affordable rates.
Auto insurance outfits use a driver’s age and/or motoring [real world] experience among other factors in order to determine rates. Usually, having less than 3 years motoring [real world] experience means ya will not be categorized as a “good driver” and will be eligible for a good driver discount. This does not mean ya’re a bad driver, it’s just the way most carriers determine rates.
The simple reason automobile insurance rates are cheaper for those with more motoring [real world] experience is cause a good driver discount gets ya anywhere from 10 – 30% off your policy premium. There are other ways to not get the good driver discount such as having violations or accidents on your record.
Being a new or young driver does not necessarily mean ya should pay a lot of currency to insure your vehicles. Insurance-Integrity.com has composed a few tips to help ya find the most frugal automobile insurance rates possible.
- If ya were licensed in another state or country, ya may be able to provide proof of out-of-state or out-of-country license in addition to your current license. This will arguably make ya eligible for a good driver discount which will mean lower rates. Some outfits will not require a copy of your prior license in order to credit your motoring [real world] experience. Check with each company’s guidelines.
- If ya are an older driver but have just been recently licensed, ya may automatically receive motoring [real world] experience since the age of 16. Ask your carrier if ya can get full motoring [real world] experience even if ya just got your license a few years ago. This will usually give ya a better rate.
- If ya are a young driver, sometimes adding the driver to the parent’s policy will allow the outfits to spread the risk betwixt the parents and the child which will also provide a bit of a discount.
- Another great way to lower rates for young or new drivers is to add multiple vehicles within 1 policy. For example if ya have 5 drivers in the family, ya can combine all vehicles into 1 policy in order to take advantage of the multi-automobile discount provided by the majority of automobile insurance outfits.
The last and most important tip for young or new drivers is to compare multiple rates from several outfits. Some outfits will quote ya an outrageous rate for the same coverage as another company who will quote a much cheaper rate. Some outfits welcome such drivers by providing low rate rates.
Finding the company that will provide ya the lowest rate is quite simple if ya utilize the internet. Instead of contacting each company individually to request rates, ya can complete 1 simple form and obtain automobile insurance quotes from multiple carriers. Visit Insurance-Integrity.com to compare automobile insurance quotes on-line.
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