So, you got a car. Congratulations, it calls for a celebration! But before you open that last bottle of Champagne, you should know a few things about buying an auto insurance for your car. If you’ve been neglecting this decision for a while, then it’s time to wake up. Because not having an auto insurance is illegal, but an insurance is easier to talk about than buy. There are many things that affect insurance rates; age, gender, and where you live being the most important. And most insurers charge higher rates because young drivers are inexperienced. However, there are a few things you can do to keep your premium rates affordable.
Here are 4 ways to get a cheap auto insurance for new drivers.
Don’t get too fancy
We know the modern generation is all about personalization, but it’s wise to hold off your impulse to customize your car. If you’re a young, new driver with a modified car, auto insurers may use that to charge higher premium rates. Even if it’s just tinted glass or a simple hatchback, stay clear of modifications to keep your premium rates affordable.
Go for higher excess
Excess is the difference amount you’d have to pay if your claim is more than your coverage. Policies with a higher excess offer lower premium rates. However, make sure you can afford the excess, in case you need to make a claim in future.
Add another older driver
When buying an insurance, you can add another driver to your policy. Since you’re a new driver, it’s best if you can add an older driver–like a parent–who’s had some experience and trusted road skills. This reduces your premium costs. However, avoid naming the older driver as the main driver when you’re, in fact, the main driver. Making false claims like that is called “fronting” and is illegal.
Get your certification
The best way to ensure you get affordable premium rates, and even discounts, is to prove that you are a credible driver. There are many driving courses you can take to improve your driving skills and your ability to think on your feet while you’re behind the wheel. Many insurance companies recognize reputed courses and will offer handsome discounts if you’ve cleared these tests. Instead of stopping with one certification, continue to learn so as to keep your credit score high and your premiums affordable. See ? Those aren’t too hard to do. With just a few simple ways, you can reduce your premium rates by a large margin. When it comes to buying a car insurance, every little thing goes a long way to help you secure your car.
- Do you have any questions about buying your first car insurance?
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