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Wednesday, 27 June 2012

Cheap Auto Insurance For New Drivers

So you've passed your test, swapped your L plate for a P and can't wait to get on the road. Congratulations on your achievement cry all the family - then wise old dad steps in and says somberly that you're going nowhere without insurance cover. That's fair enough, so let's look at why it's tougher for you at your age to get that cover, and assess your options for getting that premium down to a more manageable level.

It is true that motor vehicle insurance companies discriminate against new - especially young - drivers. It's simply because statistics show overwhelmingly that young, inexperienced drivers are dreadful risks on the road. The under 25 driver is, in fact, four times more likely than an older motorist to be involved in a bingle; this is attributable partly to that "invincibility" mind-set, and more so still to inexperience. The new young driver has a licence, sure, but that's just a licence to start learning, and it takes months - years, even - to develop that road sense that brings awareness of other drivers' likely intentions in peak-hour city traffic, how to anticipate difficulties in hazardous weather conditions or on poor highway surfaces, how to extricate yourself from a tricky situation such as a skid on spilt oil or aquaplaning on ice, perhaps how to use chains on a snow-ploughed mountain road.

Then there is the problem with being rattled by a tailgater or having to take evasive action against the clown who overtakes approaching a blind bend and, realising he's in a pickle, cuts sharply in front of you to get back on his correct side of the centreline. Brake too hard or too late, or swerve too far, and you can be in trouble before you have time to blink.

The only solution in order to get cheap auto insurance for new drivers is experience, and experience comes only with time.

A good way to help yourself in the quest to be a better driver is to take a defensive driving course. These programmes are often run by the police, sometimes by a motoring organisation such as the AA or by a service club like Lions or Rotary.

A good scholastic record is well regarded, too. Achieve with distinction at school, and your insurer will take that as a good indicator of the right attitude.

The final factor that's worth mentioning here is your credit record. This the insurer will certainly take into account, so if you are old enough to operate a card, settle for a manageable credit limit and use the card wisely. Pay it off each month to keep it under control, and build a sound credit record to get cheap auto insurance for new drivers.

When looking for cheap auto insurance for new drivers, it is advisable to take time and compare the different rates offered by different companies. The best advice for getting cheap auto insurance for 17 year olds is to shop around.

You can visit www.quotes-center.com to get cheap auto insurance for new drivers.

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