Your Online Guide to Auto Insurance Quotes »

Guide to Auto Insurance Quotes

Shopping for auto insurance quotes online is extremely time and cost effective, assuming you know what you are looking for. When doing anything online, it is important to watch out for scams. Here are some tips for how to get reputable car insurance.

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Auto Insurance Quotes:
What is Basic and Standard Coverage? »

Auto Insurance Quotes: What is Basic and Standard Coverage?

There are many different options to consider when shopping for auto insurance quotes.
Coverage can fall under basic or standard categories, but what you pick is up to you. Keep reading to find out the differences.

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How Does your Sex and Age Affect your Auto Insurance Quotes? »

How Does your Sex and Age Affect your Auto Insurance Quotes?

There are many factors that go into your auto insurance quote premium. Age and sex are two that you unfortunately can't control. Keep reading to learn why these two factors affect your auto insurance rates.

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Auto Insurance Quotes for Beginner Drivers

The insurance rates on automobiles are partly determined by the safety record of the driver, their credit score, and whether they have received any moving violation summonses. Although it might seem unfair, having no record is often as bad as or worse than having a poor record. This is the case when young, new drivers, such as teenagers who have just received their license, investigate free auto insurance quotes. They discover that because they are an unknown quantity when it comes to safe driving and obeying the law, they are faced with significantly higher rates for their car insurance. In short, all beginner drivers are considered at-risk.

There are several ways to mitigate this and lower the initial rates offered to beginner drivers. IN the first place, it is essential to drive safely and avoid any violations or accidents. The longer a driver avoids any sort of problem, the better the auto insurance quotes they receive will be. Even if they must pay a higher rate on their first policy, a safe driving record will eventually establish them as low-risk drivers with a commiserate lowering of premiums.

Another surefire way to lower the insurance premiums for beginner drivers is to shop around. Rates are set by the individual companies and may vary quite a bit from company to company. If the new driver is a teenager, parents may want to consider simply adding them to their policy as a secondary driver of the family car. This option is often by far the way to attain the lowest rate for a beginner driver.

Most insurance companies also offer good student discounts, rewarding teen-aged drivers who maintain a high grade point average and otherwise clean school record. When comparing auto insurance quotes it’s a good idea to ask about good student discounts – the standards expected and the discounts offered. This is often a good motivational tool for children in school – the lure of a car offered if their grades earn them a rate discount can be quite powerful.

Finally, the type of car that a beginner driver operates can have a significant impact on their rates. Since insurance companies assume that all young drivers are reckless and therefore at-risk, the older and less-flashy car models will receive better rates than sportier models. Even the color of the car can be a deciding factor, as many insurance companies regard red as a very aggressive color prone to inspiring speeding and reckless driving, while blue is often regarded as a more sedate color that inspires safer driving. An older car also may not be worth carrying comprehensive coverage for; downgrading to liability coverage only can offer significant savings on the rates offered when gathering auto insurance quotes.

It may not seem fair that beginner drivers are treated as at-risk and offered the highest rates for their car insurance, insurance companies will tell you that they cannot possibly determine the risk a beginner driver represents and so must be careful. Follow some of these suggestions to reduce the costs of your first car insurance.