Learners or first-time drivers car insurance is pretty expensive since most learners have never driven a car before and naturally in road risks when only starting out. It’s a challenge to find a car insurance company that’s willing to lower premiums for first-time drivers, but it doesn’t mean impossible. Some companies can lower the cost of learners car insurance when their clients meet specific requirements.
1. Pick lower-grade cars with lots of safety features
Lower-grade cars are those that use less fuel, cost less, and are generally easier to maintain. The best kinds of low-grade cars are really small ones with small engine capacities. Using a low-grade car such as a minivan will earn you lower learner premiums than, say, an Audi or Porsche. Besides, low-grade cars are much easy to maintain, so they’re good choices for learners.
A list of safety features will also keep your premiums low since they reduce the likelihood of you getting an accident. You’ll have to admit that you don’t have much driving experience just yet, so you’re much more likely to get into an accident than the next guy. Invest in a car with airbags, seat belts, and other safety features to lower your insurance costs.
2. Get more road miles, and insurance companies will look at you more
It may sound unfair that first-time drivers car insurance is much more expensive than car insurance for more experienced drivers, but insurance companies have a good reason for this; first-time drivers are three times more likely to get into an accident. But the more you drive, the more experience you get, and the more likely car insurance companies will accept your requests for lower premiums.
Check the car insurance companies if they give road miles discounts, they may have different offers from other companies.
3. Find more than one car insurance company
Most car insurance companies offer special coverage for first-time drivers, but their premiums, rates, and other terms may vary. It’s best to find all the car insurance companies you can and get free quotes for coverage of your specifications. That way you can spot which insurance company has the best offer for you.
4. Getting the best deal
The best place to find quotes for first-time drivers car insurance is on the Internet. Comparison sites allow you to search through a host of insurers to find the best deal but all comparison sites cover slightly different providers, so it’s better to try them all.
First-time drivers car insurance is, in fact, an expensive necessity, but you can save money by taking advantage of these strategies and all available discounts offered by your insurance company.