First time driver insurance quotes usually are given to teenager drivers who have just received their first car or those fresh out of college. For teenage drivers, receiving a first time driver insurance quote might be a hassle given their official status as the group with the highest liability for insurance companies. The statistics are alarming: more claims are made by teen drivers than by all drivers over the age of 25. A solid majority of car accidents are caused by teen first time drivers, with car crashes heading the list as the leading cause of death among teenagers from 16 to 24. Many of those seeking first time driver insurance quotes may have gone through reckless driving in the past.
As a first time driver, you have to prove yourself in the eyes of the lender. One way to improve your quotes is to build a good driving record. Avoid all types of traffic violations, collisions, parking tickets, and anything that would constitute a blemish on your driving record. In addition, take the time to enroll in a driver’s education or defensive driving program. Many insurance carriers see this favorably and would knock off up to 10% of your premium amount.
Another way to improve your first time driver insurance quote is to pay attention to the type of car you are driving. Don’t invest in a Toyota Rave 4 with 16 modifications and all of the works. Try settling for an older version that’s well maintained. Poorly maintained cars pose more of an insurance risk than any other. Also, check to see if the first time driver in the family could be listed as a driver on the family’s least expensive car. Better yet, teens can join under their parent’s protection instead of enrolling in their own car insurance plan to save some money. All in all, first time driver insurance quotes may be expensive from the get-go, but by building a solid driving record, your premiums should head downward as a result.
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