New Driver Car Insurance – Get Cheap Auto Insurance in 5 Mins Or Less

So your young ones are finally able to drive and you are in need of new driver car insurance to cover them. But car insurance for new drivers is really expensive. You may be wondering where to find affordable auto insurance for first time drivers. This may surprise you, but you can find cheap auto insurance coverage on your computer by using an online service in the comfort of your own home!

For your young new drivers the pain of growing up, moving out and making their own way into the world may be scary enough, but keep in mind learning about car insurance is just another lesson to be learned on the road called life. The only requirement a new driver needs to make is a commitment to driving safely and of course learning to find cheap car insurance coverage online.

The following tips will keep you on track to finding new auto insurance and of course will help keep the extra savings in your pocket for other life necessities. Every day something new and exciting happens and keeping your new drivers’ finances at a minimum will help prepare them for life’s little surprises.

Tips When Looking For Cheap Auto Insurance

  • Expensive cars usually have a much higher premium for new drivers. In order to get the best insurance rate, choose an affordable car with safety features as opposed to sports cars.
  • Keep in mind there are many types of new driver car insurance policies available and trying to figure out what kind of coverage is best for you can be easier with the help of online professionals.
  • Making inquiries about the cost of each policy to all the different insurance companies will take time. It is easier to have an online service do the comparison shopping for you in just a matter of minutes.
  • Filling out paperwork and sending your personal in formation all over town is not really secure. Filling out one simple form on your computer will make things much easier and safer for you and your personal information.
  • Having questions about all the different price quotes or discount offers available can be answered by your online professional. There is no need to make numerous phone calls to all the different top insurance agencies you are interested in.
  • Get your new driver their own policy, adding them to your own policy is not always the best way to find cheap auto insurance coverage.

Bad Driver Car Insurance – 3 Essential Tips For Getting The Best Rates

Let’s face it, if you own a car these days getting insurance is a tricky affair. But bad driver car insurance is even more tricky. This is because insurance companies are always afraid (for obvious reasons) of insurance anyone that has been labeled a ‘bad driver’. Well, don’t fret, because in this article I am going to reveal 3 simple yet effective ways to get dirt cheap rates no matter how bad a driver you are – seriously…

Tip 1: Online Quotes Are Best
When you are looking for the best quotes possible regardless of your driver standing, it’s always best to go online. You’ll benefit from having a larger pool of insurers, which in turn will give you more options. Online insurers operate in such a competitive environment that it is almost a guarantee that they’ll try to beat out any quotes you get from other online insurers.

This of course means huge savings for you. But there is an even more important reason to use an online provider and it is this: many online providers specialize in insuring ‘bad drivers’.

Tip 2: Bolster Insurer Confidence
Whatever the reason for your ‘bad driver’ status, you must do all you can to improve your perceived image in the eyes of insurers. One way to do this by taking part in a defensive driving course. Although these types of courses aren’t mandatory, they can help in reducing your insurance by several hundred dollars.

Defensive driving courses work well because they instills the confidence that an insurer needs that they won’t have to foot a huge bill shortly after they write a policy for you. In other words, the chances of you having a serious accident are just about average, and nothing like the 4 times likelihood of a so-called ‘bad driver’.

Tip 3: Consider Your Car and Any Changes Made To It
This is one of the simplest ways to get good quotes on insurance. You see, the type of car you own – it’s engine size, specifications etc, can influence massively the amount you pay. The general rule is that the bigger the engine, the more costly the auto insurance. Modifications add another dimension to costs too, because they increase the value of the car and hence the amount that an insurance company has to pay out in the event of an accident.

All this leads to one very simple suggestion, which is “If you have a big car, get a smaller one and if there are expensive modifications, get rid of them. The three tips outlined above are responsible for hundred of dollars in savings for people who have had to get bad driver car insurance. You have nothing to lose by employing them in your search for dirt cheap insurance.

Young Driver Car Insurance at A Discount?

Young Driver Car Insurance Sticker Shock!

Unless they are insurance agents, most parents are stunned when their teenager starts to drive. They are shocked because of the price of car insurance, which may be triple that of the experienced drivers. This is because the student driver does not have their own driving history, and so insurance companies lump student drivers together with other drivers their age. This group, traditionally, experiences a high accident rate, and young males are hit even harder than young females.

Available Teenage Driver Discounts

You can save money by looking for discounts that many car insurance companies offer. Even though teenage drivers tend to be in a high risk group, insurance companies recognize that some young drivers are a lower risk than others. For instance, students who maintain a good grade average will earn a discount from many major companies. The companies usually require a B average.

Also, insurance underwriters – those who assign risk and set rates – will like it if the student driver takes an accredited driver safety course. The cost and time of taking such a course are sure to be worth it for a couple of reasons. For one thing, these courses have been proven to teach young drivers to be better drivers. In addition, some insurance companies will offer discounts to drivers who take these classes! You can find these classes by searching on the internet, checking with your state insurance department, or just asking your insurance agent or company.

You may also profit by bundling all insurance policies with the same company because of multiple insurance policy discounts. If the parents and student driver use the same company, and maybe also throw in the homeowners policy, then some companies will give the family a break to keep their business. The multiple policy discount will not always give you the lowest possible rate, but it is worth checking into.

If the cost of insuring a student driver on the parent’s fairly new car is just too high, consider purchasing an older car for the young driver. Where the newer car may need full coverage, especially if it has not been paid off yet, an older car will probably just need the minimum required liability car insurance. The savings can be hundreds of dollars a month on car insurance, and that may be more than the price for a used car payment!

Shop Around For Affordable Insurance

You will find big differences between insurance rates, and it does pay off to shop around. This used to be much harder when you had to call around and give complex information over the phone to multiple insurance companies in order to get a quote. Now, with the internet, you can usually fill out a quick form with basic information, and then sit back and get car insurance quotes delivered to you. If you are looking for an online insurance quote form, try to find one with third party verification like the Better Business Bureau Online Program or The National Ethics Check. The quote form should also run on a secure server so your information is protected. However most online quote forms will not need private information, like social security numbers, just to run a quote.