A New Drivers Road to Getting Car Insurance
The thought of becoming a new driver may seem fun, but many don’t realize the costs involved with getting a car and insuring it. The major issue with new drivers is that the cost of insurance is very high. New drivers are recognized as inexperienced, and as a result, the cost of insurance would skyrocket. Fortunately, there are several things you can do as a new driver to make sure you get the cheapest auto insurance policy, without comprising on any of the coverage features.
If you have yet to take a driving lesson with an accredited driving school, you should really think about it. An accredited driving school is one that is approved by the Automobile Association in your city or state. For example, in Quebec, the Automobile Association is the SAAQ. By taking part in a driving school course, you will receive a certificate, which you can present to the insurance company to get a discount on your policy. This certificate certifies that you have participated in a proper driving course, and that you have passed it.
The vehicle you intend to purchase will play a major role on the cost of your policy. If you purchase an expensive vehicle, expect to pay a very high insurance premium. It is not just expensive vehicles, but luxurious vehicles, several makes and models and obviously sports cars. If you really want to save some money, the best solution would be purchase a car that was manufactured prior to the year 2002. Certain makes and models are cheaper to ensure, so confirming with your insurance company would be great idea.
The level of security of your vehicle is taken into account when determining the price of car insurance. If your vehicle is vulnerable to a break-in or theft, then insurance costs would remain high. Auto insurance companies have a pre-approved list of the brands of security devices which they consider to be very efficient. If you manage to get your vehicle equipped with a high-end alarm system, you can benefit from lower car insurance costs. However, if the insurance agent does not ask you about the alarm system, you have to remember to tell them.
The cost of your policy will be fixed upon taking note of the amount of traveling you plan to do with the vehicle. If you will be taking your vehicle to go everywhere, the insurance company will consider this it as a high risk situation, because there is more chance of an accident occurring. The smart thing would be to drive less, and keep the mileage below ten thousands kilometres a year. When you do drive, make sure to be as safe as possible. Keeping a clean driving record will help you in the long run. If you have claims on your record as soon as you start driving, your premiums will remain high, and getting them to lower will be hard.