So you just got out of school and you are geared up for your first car. While it may have been very convenient to cajole your parents into buying that fancy car, especially getting a cheap car insurance for new drivers may not be all that that easy. We do not mean to discourage you but in reality, car insurance policies for young drivers are quite exorbitant.
The reasons why car insurance for new drivers are not being cheap is because, the risk involved is much higher. From an insurance and reimbursement perspective, this can weigh heavily on a company’s profit margins. The solution is not, in putting your parents’ names as the policyholders.
There are other means of getting cheap car insurance for new drivers. Opt for a standard car instead of flashy and big cars, as it is all the more expensive to cover big cars. It is advisable to obtain a certificate of a driver-training course from an authorised centre, because it can bring down the premium amount by about ten to fifteen percent. If you are a teenager then now would be a good time to improve your grades if they aren’t all that great. This is because; good grades are equivalent to a better sense of responsibility and thus lesser chances of horsing around on the roads. The car insurance company will consider cheap premiums on these grounds.
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For young drivers especially, it helps to invest in a good security system for the car. Install accident prevention tools as well, as these go a long way in making the auto insurance cheap. While you may only worry about the short-term investment, it would be prudent to consider paying higher deductibles. You pay this amount to the insurance company a little before the total payment is paid off. This can also be achieved by paying higher voluntary excess. This means damage coverage, that is, if your car was to get involved in an accident then you agree to pay a certain amount for the damage.
If you want the car insurance rates to plunge furthermore, then it is advisable to compare quotes from different agencies before settling down for a particular insurance cover. Many companies offer heavy discounts on online purchases. There may be heavy discounts during Christmas and New Years’ and if you meet all the other pre-requisites then getting a cheap car insurance for a new driver can be easy.
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