Reducing the Rates for New Driver Car Insurance
One of the highlights in any person's life is being told that they've passed their driving test. Generally when people think of new drivers they think of teenagers, but that isn't always the case. There are new drivers of all ages and no matter what age they are, they all have one thing in common - the expense of new driver car insurance. While new drivers who are older may experience slightly lower rates than teens, new driver car insurance is generally pricey no matter what your age. Fortunately there are some things that you can do to help to reduce car insurance premiums, even for inexperienced drivers.
Take a Driver's Training or Driver's Education Course
This course of action is probably the single, most effective way to reduce your car insurance premiums. In fact taking a course such as Pass Plus, which is a hands on driver's training course, can cut your insurance premiums by as much as one third. Whether you are young or old, a rookie driver who has completed one of these courses will pay a significantly lower premium than those who don't take them.
Skip the Muscle Cars
An inexperienced driver behind the wheel of a powerful car is a potentially dangerous combination which will be reflected in your new driver car insurance. When deciding on a first vehicle, choosing something sensible and modest with a smaller engine and less horsepower will not only be easier to handle and safer, your insurance coverage will be less as well. The same advice applies to cars that were once sensible, but have been equipped with various aftermarket parts such as flashy wheels, huge exhausts, and beefed up motors.
Hit the Books
While this advice will apply mostly to younger drivers, a grade point average of 3.0 and above could score some savings on new driver car insurance. This applies not only in high school, but in college as well so even older students may benefit. Many companies offer a "good student" discount because there have been studies which show student who receiver higher marks are less likely to be involved in "at fault" accidents.
This course of action is probably the single, most effective way to reduce your car insurance premiums. In fact taking a course such as Pass Plus, which is a hands on driver's training course, can cut your insurance premiums by as much as one third. Whether you are young or old, a rookie driver who has completed one of these courses will pay a significantly lower premium than those who don't take them.
Skip the Muscle Cars
An inexperienced driver behind the wheel of a powerful car is a potentially dangerous combination which will be reflected in your new driver car insurance. When deciding on a first vehicle, choosing something sensible and modest with a smaller engine and less horsepower will not only be easier to handle and safer, your insurance coverage will be less as well. The same advice applies to cars that were once sensible, but have been equipped with various aftermarket parts such as flashy wheels, huge exhausts, and beefed up motors.
Hit the Books
While this advice will apply mostly to younger drivers, a grade point average of 3.0 and above could score some savings on new driver car insurance. This applies not only in high school, but in college as well so even older students may benefit. Many companies offer a "good student" discount because there have been studies which show student who receiver higher marks are less likely to be involved in "at fault" accidents.
Keep your Driving Record Clean
Driving safely and obeying traffic laws in another great way to keep your new driver car insurance premiums down. While you will be paying more for some time after you get your license, a clean driving record can aid you in being removed from the "high risk" category sooner. Every time you get a speeding ticket or a citation for breaking other traffic laws, such as driving under the influence, you get points applied to your license. After a certain number of points, your license may be suspended or even revoked. If your license remains "clean" you will notice your insurance premiums going down as you gain more experience behind the wheel.
While all new driver car insurance is somewhat more costly than that of an experienced driver, these things can all help to make your premiums more manageable. There are other tips that can help lower the cost of you insurance and your local St. Petersburg, FL insurance representatives are always willing to answer questions and offer advice.
Driving safely and obeying traffic laws in another great way to keep your new driver car insurance premiums down. While you will be paying more for some time after you get your license, a clean driving record can aid you in being removed from the "high risk" category sooner. Every time you get a speeding ticket or a citation for breaking other traffic laws, such as driving under the influence, you get points applied to your license. After a certain number of points, your license may be suspended or even revoked. If your license remains "clean" you will notice your insurance premiums going down as you gain more experience behind the wheel.
While all new driver car insurance is somewhat more costly than that of an experienced driver, these things can all help to make your premiums more manageable. There are other tips that can help lower the cost of you insurance and your local St. Petersburg, FL insurance representatives are always willing to answer questions and offer advice.