New drivers often overlook auto insurance policies when factoring in the costs of car ownership, but the fact remains that it is just as important as having a valid driver's license. In fact, virtually all states require drivers to have a minimum amount of coverage, so it pays to start comparing policies as soon as possible. What makes shopping for car insurance so difficult for many new drivers, however, is that they don't know how to seek out the best deals available to them. Keep reading to discover ways you can increase your chances of getting the most coverage for the lowest possible price.
Ask About Discounts
Insurance companies may not offer you discounts unprompted, but simply asking about what discounts are available to you can mean lowering your annual premium by a surprisingly hefty percentage. Discounts are regularly available to new drivers who pay their annual premium all at once, bundle their car insurance with other policies such as home insurance, or present a student transcript with a stellar grade point average.
Find Ways To Lower Your Mileage
Naturally, insurance policies are less expensive for those who use their vehicle less. If you are a new driver who can't yet present a record of safe driving, one of the easiest ways to get a great deal on car insurance is to find ways to lower the number of miles you drive each month. If you live in or near a big city, this might involve using public transportation to get to work, for example. If possible, you may even consider riding a bike for short-distance errands, as well as renting a car for weekend road trips. All of this can save you significantly on a new policy.
Shop With Regional Insurance Companies
If you watch television regularly, you're likely familiar with national insurance brands with prominent advertising spots. These companies can and do offer good rates for new drivers, but to get an even better deal, you should consider contacting regional insurers. These companies usually dedicate a much smaller percentage of their revenue to marketing costs, and can therefore pass the savings on to consumers. They may also be much more willing to give you further discounts in the future, as many regional insurers make customer retention a top priority. Overall, it is well worth it to search in your area for a small, reputable insurance company that can give you a great deal.
Speak to an agent to learn more about car insurance.