Young or old, being a new and inexperienced driver isn’t likely to help you much when trying to find a good car insurance deal. Without a good driving history or any experience on the road, most insurance providers will see a new driver as a risk to insure, which is why these types of road users are often charged so much more on their premiums.
If you’ve taken the time to get some quotes, you’re likely to know for yourself just how high these costs can be – but fortunately for those who are hoping for something a bit more affordable, there are often ways to get cheaper quotes.
How can you get cheaper car insurance quotes?
Getting cheap car insurance is often easier said than done – but in most cases, you’ll have a chance to reduce your rates by a considerable amount. Generally, you can:
Shop around for discounts
There are plenty of discounts out there available to new drivers, and while some are limited to certain restrictions (such as state), you’re likely to find at least a few options that could help you to reduce your quotes. Some of the most common discounts include:
- Defensive driving discount – Involves taking a defensive driving course and providing proof to your insurer with a receipt or transcript to get the discount
- Professional discount – Also known as an occupation discount, this can allow you to get a discount based on your job. For example, police officers and teachers are statistically less likely to file a claim, and therefore are generally less of a risk to insure
- Equipment discount – Anti-theft devices, like alarms and immobilizers, can often give you a discount on insurance policies. While his may not always be the largest of discounts, it can certainly help to lessen the rates (as well as help to ensure the safety of your car)
- Good driver discount – This discount is available to those with a clean driving record (i.e. you haven’t been involved in any accidents or received any citations)
Choose your car wisely
Often, the type of vehicle you own can play a large role in the overall cost of your insurance – and if you haven’t yet purchased a car, it might be a good idea to think carefully about what’s more important to you; driving a fast and flashy car, or having a lower premium on your insurance.
In most cases, sports cars cost much more to insure than standard vehicles.
Black box policy
For most good drivers, having a black box policy is a good idea. Officially known as a telematics box, the device is often installed in your vehicle and monitors your driving skills – from how often you’re on the road, to how fast you drive.
This information will give your insurer an idea of how safely and responsibly you drive, and how long you’re on the road on a typical day. If they decide that you’re less of a risk to insure, you may get to enjoy a lower cost on your coverage.
Cheapest insurance providers for new drivers
While there are a number of things that you can do to get cheaper auto insurance quotes, one of the most effective ways to find the lowest costs is to get quotes from different insurers and compare them to see which provider offers the best deal. Some of the cheapest insurance companies in the U.S for new drivers are:
- Liberty Mutual
- State Farm
While there are plenty of other insurance providers in the U.S, these are some of the ones that offer the least expensive premiums for new drivers. Generally, after getting quotes (preferably ones that are no-obligation and free) and comparing the different deals, you’re likely to find which company will be right for your needs.