There’s nothing more exciting for teenagers than getting their first driver’s license. Driving a friend around without adult supervision is more exciting than an A+ on a big test. But parents may prefer that A+ because a new driver means higher auto insurance premiums.
Learning to drive comes from experience. There’s only so much a classroom can teach about navigating the roads and highways. A driver’s novice status is often paired with speeding and accidents. Because of this, new drivers are subjected to higher insurance rates than older, more experienced drivers.
However, there are measures you can take to bring that insurance premium down. Here are a few helpful tips:
- Choice of car: Though expensive, fast sports cars are appealing to many young drivers, and they cost more to insure. An older car, or one with many built-in safety features, will help keep insurance premiums lower.
- Talk to your insurance agent: Your insurance agent is aware of discounts and promotions that you may qualify for. Be sure to ask how you can get the lowest rate for the coverage you desire.
- Driver’s education: Taking a driver’s safety class from an approved institution can qualify you for insurance discounts or savings. Be sure to speak with your agent to learn more about recognized courses before registering.
- Student drivers: Some companies offer discounts for students who maintain a high grade point average—up to 25% off your premium.
- Don’t drink and drive: Apart from risking lives, drunk driving can add up to be a big expense. A DUI conviction instantly increases insurance rates, and your carrier could possibly even void your coverage.
As young drivers age, they learn from experience. So, chin up! Car insurance rates will lower over time with safe driving, experience, and owning a practical, well-maintained car. Call your insurance agent today at 855-367-7744 to learn how you could save money, or visit our website to get a quote for Fort Lauderdale auto insurance.