A Car Insurance Quote for First Time Drivers

By John Bellafonte

"Dad, can I borrow the car?" These words can strike fear in to the heart of the most stalwart of parents. A new driver in the family means one thing and one thing only, that more insurance will be needed on the family car. A car insurance quote from your current insurance provider and one or two others may help to relieve this burden a bit by doing a little comparison shopping.

A car insurance quote can show ways to save money that may not have been thought of by the average parent. Some insurance companies offer a discount for a good grade point average in school and this can help reduce the amount added to the premium. Many insurance providers will work directly with you to find discounts when insuring a younger driver.

The issues that accompany a new driver can cause the insurance companies to start them a quite a bit higher rate than someone who has been behind the wheel for a few years. The relative lack of experience means that the new driver falls in to a "high risk" category with many providers. The right car insurance quote can mean the difference between driving and riding a bicycle for a newly licensed operator.

For those that live in major metropolitan areas or dense populations may see an increase over those that live in the country. With more cars and more traffic, the possibility of an accident or ticket is much more likely. This increases the risk the insurance provider is taking in covering a new driver.

Those who live in rural areas will receive a lower car insurance quote than those who reside in the big cities. Most of the driving will be done on roads that do not have a good deal of traffic so the chance of accidents is reduced as well. It is important to let the insurance company know where the new driver will need to commute before getting a car insurance quote.

There will be a difference in rates comparing the ages of a new driver as well. A new driver in their teens will likely be quoted a higher rate than someone in their mid twenties that has just learned to drive. The age difference leans towards a maturity level that is taken in to consideration by the insurance providers.

These quotes will assist you in making the right choice in car insurance coverage for your teenage driver. By comparing these to the rates of other companies and even your current provider, an informed decision can be reached. Make sure to read each quote very thoroughly when doing the comparison.

Once the car insurance quote has been received and compared to the others, an informed decision may then be reached as to which one to choose. Read the fine print particularly well and be sure that all contingencies are covered. Above all, be sure that the coverage being provided is the best for the amount of money being spent as this will add some peace of mind when handing over the car keys for the first time. - 31488

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