Getting a driver’s license for the first time is exciting and many young drivers can’t wait to hit the road in their new car. However, there are several things first time drivers should know about insurance before taking that cross country road trip.
Consider Your Car Carefully
A major factor that impacts car insurance costs for all drivers, not just new drivers, is the type of car you have. Luxury vehicles will carry a higher insurance price tag, as well as sport models. Choosing a car with security features such as collision-avoidance features, however, can reduce your rate. Things like forward-collision detection, adaptive cruise control, and brake assist can all help you stay safe and your insurance company may reward you for using them.
Set Realistic Pricing Expectations
It is important for new drivers to realize that their insurance rates will likely be higher simply because they are a new driver. New drivers don’t have the driving record to show insurance companies that they are trustworthy on the road. Unfortunately, this can mean that insurance premiums can be up to three times as expensive for new drivers than for experienced ones.
Reduce Your Rates
Fortunately, there are some things new drivers can do to reduce their insurance rates. As mentioned above, choosing a reliable but economical vehicle can help reduce your rate. You can also lower your rates by enrolling in and completing a defensive driving class. In addition, by bundling your insurance needs into one company, you can save money across the board. Many drivers will bundle their home insurance or renters insurance with their car insurance, earning them a better rate than those who choose to shop around for services.
Is There a New Driver in Your Life?
Getting behind the wheel of a car for the first time is exciting and carries a tremendous amount of responsibility. If you are in need of new drivers auto insurance in Maryland give us at Freedom Insurance a call today! We’d love to help you get the coverage you need so you can get on the road as soon as possible.