People tend to pay lower auto insurance rates as they gain experience behind the wheel. As a result, new drivers tend to pay higher rates for their lack of experience driving. If you are a new driver and need auto insurance, here are some tips to help you find the most affordable policy.
Join a Policy
There is a difference between getting your own policy and joining someone else's policy. When you get your own policy, you might have only one vehicle to insure. Therefore, you will not receive a multi-policy discount. When you join someone else's policy, you might qualify for a multi-policy discount, leaving you with a lower bill. Additionally, joining someone else's policy might result in lower costs due to their experience behind the wheel. If they have no accidents or claims on their driving records, you might pay less for your coverage.
You can ask an auto insurance agent about the rules related to joining someone's policy. You might only be able to do this if you live with the person and are under a specific age.
Choose Your Car Wisely
The car you buy also affects the prices you pay, so it is helpful to choose wisely when buying a vehicle. You might want to avoid buying a vehicle that requires a loan and that is worth a lot of money. Instead, you might want to consider paying cash for a less-valuable vehicle. With a less-valuable car, you will not need as much insurance coverage for it. The result will be lower auto insurance rates. You might also want to compare safety ratings of vehicles as you pay lower rates for safe cars. You can ask an agent what else you should look for when buying a car if you have additional questions.
Another thing to consider is that you might have higher rates now, but you have some control over your future rates. If you develop a mindset of safe-driving habits, you can keep your record clean. Driving for a year or two without any tickets, violations, accidents, or claims will cause you to qualify for lower rates in the future. While this might not help you now, it will help you later.
As a new driver, you can call an insurance agent to determine the costs of an auto insurance policy. You can even call several companies to compare the quotes they provide, which helps you find the best rates.
If you have further questions about auto insurance, reach out to a local insurance agent.