Tips For Finding Cheap Car Insurance For First Time Drivers

Finding cheap car insurance for first-time drivers can be a challenging task, especially when you have a clean driving history and have no prior insurance history. New drivers can include teenagers who are just starting to get their driver’s license, young adults who got their license later in life, and even immigrants who recently came to the United States. While each of these groups faces different challenges when searching for cheap car insurance, there are some general tips that can help you find the best policy at the cheapest price. auto insurance quotes ny

Discounts are available depending on the state you live in, and some of them apply to specific types of coverage. You should always get several quotes before settling on a single insurance company. You can also receive multi-car discounts that can offset the cost of insuring more than one vehicle. Some companies will even give you a 10% discount for insuring two or more vehicles with the same insurer. By finding the right insurance company, you can save money on car insurance for first-time drivers.

While you’re shopping for car insurance for first-timers, consider how much coverage you need. For most drivers, standard coverage is enough. Fortunately, there are some options to save a few bucks, including installing an anti-theft device or downloading an app. Of course, you’ll pay more for comprehensive coverage, but if you drive carefully and your car is reliable, you can often get a lower rate.

To get cheap car insurance for first-timers, you should compare quotes from several companies. You should also try to qualify for as many discounts as you can. For example, many auto insurance companies give discounts for being a good student or safe driver. In addition to good grades, you can also qualify for discounts if you block phone calls while driving. It can also be helpful to keep in mind that auto insurance rates depend on a number of factors such as your driving history and location.

In addition to looking for cheap car insurance for first-time drivers, you should also consider adding your teen to your existing policy. If you are married, adding your teen to your policy will result in lower rates for the whole family. For younger drivers, staying on your parents’ policy will save thousands of dollars a year. If your teen is still in college, you can likely stay on their insurance plan until he or she is 25.

While young drivers tend to pay higher rates than more experienced drivers, obtaining multiple quotes is the best way to save money. Most states don’t require drivers to carry full coverage. In fact, the average cost of car insurance for a 16-year-old driver is $3,612 per year with State Farm, while a young driver in his or her twenties would pay $7,455 a year with Progressive. This can be drastically reduced if you shop around for insurance quotes.