In your zeal to get your first auto insurance coverage, you may soon discover that insurance companies may not be as excited as you are. They tend to give new drivers higher rates and this is mainly because they have no record of how safe or not safe the driver in question is. So to be on the safe side, they simply assume that since they have no information on that driver, they can not lose if they place new drivers as unknowns and therefore high risk.
The situation is even worse for new young drivers. The combination of new and young woks seriously against them.
What can these people do?
There are a couple of things that can help in reducing your rates immediately.
The first thing is your choice of car. If you choose a car regarded as safe then you are on the right track. Sports cars would certainly result in high rates for you.
For younger drivers, improving your performance in your studies would also add to the things working in your favor. This is so because insurers believe that a student who does well in their studies is a serious student and would likely be a careful driver not given to partying and reckless life styles and activities.
It is important for young drivers to note that even if their behavior is spotless, if they allow people with reckless life style in their car, it could affect them. So do not allow drinking of alcohol or taking of drugs in your car. If they are caught, it goes in your driving record and you would surely pay for it through your rates.
You can also have a more experienced driver co-sign your policy. This may have a positive effect on your rates.
Increasing your deductible would also result in a reduction of your monthly rates. The higher your deductible, the lower your rates and vise versa.
To conclude, you need to get free online car insurance quote from quotes comparison sites. Free online car insurance quote would help you find any insurer who would offer you a good coverage at an affordable rate.
Visit quotes comparison sites now and get and compare quick auto insurance quotes for the most affordable car insurance rates.
How do I start my quotes comparison?
Here are two very good sites to start getting your quotes