Car Insurance For New Drivers

Car Insurance-Chispa MagazineCongratulations! You passed the test and you’re a new driver, or your daughter recently passed the driving test and she’s a new driver… Now what? If you have a vehicle, you are going to have to get car insurance. If you don’t know what you’re doing, car insurance for a brand-new driver can be very expensive. You’ll have to know how to shop around, starting with getting a car insurance quote from iselect and other carriers to compare.

The primary reason that car insurance for new drivers is so expensive is that new drivers are, by their very definition, inexperienced. The insurance company has nothing to go on to judge a new driver’s ability to drive safely, so they are taking a bigger risk in insuring them. As a result, they tend to charge a new driver a higher premium than one who can show evidence that he is a safe driver.

Even if you are a new driver, there are things you can do to get a lower rate on your first car insurance policy.  Here are some tips to help you get the best rate possible.

When you shop around for quotes, tell the insurance company that you’re a new driver. When they give you a quote, be sure to ask if there is any way to get a lower rate. For example, they may give you a break on your rate if you tell them your car is second-hand rather than new.

Be careful with the car you choose. A cheaper, more reliable car will likely garner you a more reasonable insurance rate than a brand-new sports car. Choosing a safer car, particularly when you are a new driver, is a good show of faith that you will be a responsible driver.

In some places, being a new driver who is in school can help you get a lower rate—if you get good grades. Some insurance carriers will give preferential rates to student drivers with good grades.

When you first shop around for quotes, go online. This will save you time and hassle, and will be an easy way to compare several quotes all at once. Plus, most companies offer free online quotes, so it’s affordable to gather a bunch of quotes for comparison.

Lowering your premium is possible, even if you are a new driver. The key is to be diligent and to question everything. Don’t take a quote at face value! Ask what it is based on, and if there may be some other way to lower the rate based on your car, your grades, your job, etc. Even the fact that you are an older first-time driver may make a difference in your rate. It never hurts to ask! Insurance companies expect people to try to “bargain” for a better rate, so don’t be intimidated to advocate for yourself and to try to get the best rate possible. Because not only are you required to have the legal minimum amount of insurance on your vehicle, you definitely don’t want to be caught without insurance in the event of an accident.

Photo by Raban Haaijk

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Mia Guerra

Mia Guerra

Executive Editor at Chispa Magazine
Executive Editor at Chispa Magazine, Mia Guerra is a writer at heart. Regardless the topic, she loves to investigate, encourage, and ruminate on topics that can make us better people. Aiming to live a Proverbs 31 life, Mia is ecstatic to be following her calling with Chispa. At home she is her husband's sidekick and together they are raising a God-fearing family in Atlanta.

Mia Guerra

Executive Editor at Chispa Magazine, Mia Guerra is a writer at heart. Regardless the topic, she loves to investigate, encourage, and ruminate on topics that can make us better people. Aiming to live a Proverbs 31 life, Mia is ecstatic to be following her calling with Chispa. At home she is her husband's sidekick and together they are raising a God-fearing family in Atlanta.