Car Insurance For New Drivers Essay

Car insurance is extremely vital. It does not only keep the car protected against theft and damage but at the same time, it can protect the owner of the vehicle against personal injury or injury caused to third party because of an accident and also against property damage for third party. So, everyone who owns a car must have a car insurance policy in place. However, the major question that comes in is: "why car insurance for new drivers is more expensive that the experienced drivers?" There are a number of factors which you need to understand behind just biasness of insurers (if we say so). Let us find out the same:

First: As a new driver, it is quite natural that you will not have on-road experience and you run into high risk of getting engaged in accidents.

This increases the risk of accident and the magnitude of accident can be very high. This is a huge risk and hence, the insurers charge high premiums for car insurance for new drivers.

However, the new and young drivers can actually reduce the insurance rates to some extent by following a few simple tips. Let us find out how is it possible:

First, the insurers will look for clean driving records. The cleaner the records, the better it is. Young drivers can ask for help from adults and experienced drivers (specifically the parents) to help and guide them with driving. There are several online driving courses available which can be used by the new drivers to learn safe driving. Before actual on-road driving, it is better to go through a defensive course which will actually help to reduce the premiums for car insurance for new drivers.

Second, if there are multiple vehicles in the house, it is better to get them together under one insurance policy with the insurer while insuring the car for the new driver. This will reduce the amount of insurance premium to be paid