Auto Insurance Advice for New Drivers
If your parents have auto insurance and you are still in the household (or even in college), you can be added to their policy. The added cost on their policy will be far less than you would be paying on your own.
New Driver Auto Insurance Tip: Good Student Discount
If you are a new driver, chances are you are a student. Typically you can get a discount for maintaining a 3.0 or better GPA. Even if you just graduated from college, your spring semester grades will get you at least 6 months of discount.
New Driver Auto Insurance Tip: Consider Coverage Needs
When your car is the old family car that looks like it belongs in the junkyard, you could just buy liability insurance, and go without comprehensive and collision coverage. Put the money toward buying a new car instead.
New Driver Auto Insurance Tip: Be Safe
Getting your license does not mean you should drive 90 MPH because your parent is no longer in the car. It means you should be extra careful because you don't have the extra eyes and experience in your car anymore.
New Driver Auto Insurance Tip: Follow License Restrictions
Getting a citation for not following restrictions on your new license will probably raise your insurance premiums. Even if it is difficult, follow your license restrictions with no exceptions.
New Driver Auto Insurance Tip: Buy a Cheaper Car
When you are at the point when you pick your own car to buy, keep in mind that it is cheaper to insure a boring sedan than a fun sports car.
New Driver Auto Insurance Tip: Don't Drive Drunk
If you have been drinking alcohol (which you shouldn't unless you are 21 or older anyway), do not get behind the wheel. Not getting in accidents will not only save you money on auto insurance, but it may also save lives.
New Driver Auto Insurance Tip: Shop Around
When you are buying your own policy, shop around for the best price. Call a few insurance companies and have them give you quotes for the coverage package you want, and go with the best one.
New Driver Auto Insurance Tip: Ask for a Warning
If you get pulled over by the police, ask for a warning instead of a citation. If they're feeling nice, you could save yourself a ticket and an increase in your car insurance costs.
New Driver Auto Insurance Tip: Drive Defensively
The best way to keep insurance costs down is to not use your insurance. Drive defensively to help you avoid accidents and claims.
Published by Kristen May
I grew up in Southern California, went to college in Minnesota, and am currently undecided on where I'll be settling eventually. I get much enjoyment from God, fresh fruit, large snowflakes, baby animals, th... View profile
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