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UPDATED: Oct 27, 2016
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New drivers face a complicated dilemma when it comes to finding the right auto insurance; most have a limited income but do not have enough driving experience to receive affordable rates.
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Factors Involved in High Rates
Before turning to any insurance company, you have to understand the factors that affect car insurance rates. When you know them, it becomes easier to find a rate that fits your budget.
The major factors involved in high car insurance rates include:
- Vehicle Safety
- Type of Vehicle
- Modifications to the Car
- Driving Classes
- Experience Behind the Wheel
Understanding the Influence of Factors
The different factors involved in creating a price for the vehicle are not always in the control of a driver.
While that is true, understanding how the different factors can influence insurance rates makes it easier to compare car insurance companies and determine whether the rates are reasonable.
1. Age is clearly not a matter under the driver’s control. Younger drivers are statistically involved in more accidents, so a new driver who is also in the late teens and early 20’s will end up paying more than a new driver who is in his or her 30’s.
Younger drivers are less mature on average and do not have enough driving experience and credit history to attest for their responsbility.
2. Gender also influences insurance rates. Boy and men generally have higher rates than girls and women due to the higher rate of accidents among young men than women.
As new drivers gain more experience and get older, this becomes less dramatically influential than the first years behind the wheel.
3. The type of vehicle and the safety features are also part of the price. A vehicle that has numerous safety features will cost less to insure than a high-speed sports car with only the basic features.
Opting for a Toyota, Honda or similar sensible car will result in lower rates.
4. Modifications to a vehicle primarily depend on the change. Changes to cars that result in better safety features, such as putting in more air bags in a car that is lacking side air bags, will result in lower costs.
Modifications that are designed to improve the vehicle’s speed or that are associated with racing and dangerous activities will result in higher prices.
5. Driving classes also influence insurance rates. Taking a defensive drivers course can help bring down the cost of insurance for new drivers. The amount it brings down the price can vary between locations and insurance companies.
6. The last factor, experience behind the wheel, is something that is gained with time. New drivers will always have higher rates, but the longer a driver is not involved in an accident, the lower rates become.
Using Comparison Websites
After taking measures to help bring down the basic cost, it is then time to start comparing the prices of different insurance companies. One of the options for easier comparison is turning to a comparison website.
Online websites that cater to comparison are ideal when seeking basic quotes based on the details of the vehicle, driver and situation.
While it might not be possible to get all of the discounts and special rates through comparison websites, it does provide a place to start the search.
The websites will ask for some basic details before providing quoted estimates. The website will ask about the type of vehicle, the make and model of the vehicle and the year the car was made. Some websites will also ask for the vehicle identification number, or VIN.
Beyond asking for details about the car, the comparison websites will ask about the driver’s age, the number of years behind the wheel, gender and some basic identification information.
Some information is optional while other details are required for quotes. The best quotes are given when the most details are provided.
The website will then generate results based on location and insurance providers in the area. The best rates are estimates, but give place to start seeking better insurance quotes. Making a list of possibilities to look into further is the key to making use of comparison websites.
Getting Quotes from the Company
The next part of comparing different insurance companies for new drivers is getting the quote from the company’s website or over the phone. Using the list of potential options from the comparison website, call or go to their website to find out the best offer the company will offer.
As a new driver, the expense is likely to end up higher than more experienced drivers, but finding out about special promotions or discounts the company offers can result in lower quoted amounts.
Provide every detail to the representative over the phone or on the website’s chat window. Those who have taken a defensive drivers course can ask about discounts for the course. Students who have excellent grades might also get a discount through some companies for the grades.
After finding out which promotions and deals are applicable and asking for the discount, the insurance provider will give the best quote. Repeating the process will ultimately result in finding the best deals, coverage, and options for new drivers.
Comparing different insurance companies based on the quotes they provide is the best way for new drivers to find reasonable rates and coverage.
It is only through comparison shopping and obtaining quotes from the insurance companies that a new driver is able to find the best option for their particular needs.
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