Cheap New Driver Car Insurance Tips

Help! Why is new driver car insurance so expensive? Insurers have a tough time offering "cheap" pricing to new drivers, since this group is rated in the highest risk category. Policies for teenagers are always outrageously priced - averaging over $3,500 per year in the United States. This is due to the high occurrence of accidents and fatalities for this age group. Basically, new drivers are very inexperienced and slower to react to hazardous traffic conditions. This situation makes it nearly impossible to locate cheap new driver car insurance.
Even adult new drivers age pay more for car insurance, although fortunately for not as long as teenagers. Most insurance companies will provide adult (over age 25) new drivers lower standard pricing after they have completed the learner phase and receive their full license.
Tips for Reducing the High Cost of Car Insurance
Here are a few tips to help you start saving money as quickly as possible while insuring your new driver:
1. Prioritizing a clean driving record will earn the lowest rates possible for your rating class. It's also important for parents to properly guide the teen new driver, and be a good example while driving. Spending the necessary time to coach and train the young driver will pay dividends later. Online resources are available to help with this training, and the larger auto insurance providers have internet based programs on their sites to assist with the education process. Also, many insurers will give an immediate discount upon application if the teen completes a defensive driver course before starting to drive.
2. Policy discounts are widely offered to reduce (sometimes dramatically) insurance premiums. If the new driver is a student, you can receive 10% or more in savings if they earn a "B" average or better in school. There are also discounts available for all drivers for car safety features such as abs brakes, anti-theft devices, multiple air bags, etc. If your cars have these, it's smart to check with your agent. Discounts are also offered for insuring more than one vehicle, and for combining more policies with the same insurer. If you have older cars (no loans outstanding), coverage limits could be eliminated for collision and comprehensive insurance to save additional money. Deductibles could also be increased to reduce premiums, if appropriate.
3. Type of vehicle matters. In general, insurance coverage for inexpensive vehicles is typically cheaper. Four door domestically produced vehicles like mini vans cost less to insure, and are safer in accidents. Light, small cars may save money in gas mileage, but are often rated for higher premium costs. The slightly older, heavier mid-sized car is probably the best for a combination of safety and lower insurance costs. It's important to avoid high performance cars (for obvious reasons), luxury vehicles, and large sports utilities, since these command higher rates.
Locating cheap new driver car insurance is difficult, but the strategies provided can help you save money and will certainly be worth the time invested.

Click here for more money saving tips about first time driver insurance. Visit http://www.youngdriversinsurancefacts.com for plenty of free info to help you reduce the high cost of car insurance.

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