INSURANCE AGENCY NETWORK Blog
Auto insurance for beginner drivers is very expensive. It's calculated according to risk as new and inexperienced drivers are bigger risks. New drivers are more likely to be involved in a car accident. Young drivers from the age of 18 to 20 years are the most at risk. Despite the high costs, there are still ways to reduce auto insurance premiums for new drivers. Here are some practical tips.
Decide On a Higher Excess
When you're requesting an auto insurance quote, consider a higher excess level. This is the amount you're willing to pay out of your own pocket when there is a claim. Just make sure when the time comes to file a claim, you can afford to pay the excess.
Ask Your Insurer About Black Box Insurance
It's a type of technology fitted to your vehicle or an app downloaded on your smartphone. A black box records your activities on the road. Rewards or points are given for responsible driving. You can use these rewards to lower your insurance premiums.
Include An Older And Experienced Driver In the Policy
A new driver may add an experienced adult like a parent, sibling, or relative to his insurance policy. This can lower insurance premiums. Insurers will see that an experienced user is also driving the vehicle.
Drive A Cheaper Car
Older, cheaper, and less sporty cars cost less to insure. Most new and young drivers can't wait to drive fast. But it can't hurt to wait until they are well-experienced. A modest car will help them learn the ropes and the street rules, plus; it won't be too expensive to buy and insure.
Make Sure Your Car Is Safe For New Drivers
There are many ways to secure your vehicle. Use an alarm or a security immobilizer. Ask your auto insurance provider about their recommended security devices for the best rates. Take note that some car security systems have a higher rating than others.
New drivers should also be aware of state-recommended insurance coverage for beginner drivers. Contact your auto insurance provider to get a free quote right away.
At Insurance Agency Network, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (425) 681-0996. You can also request a free quote by CLICKING HERE.