By Paul Townsen
When a person gets ready to begin driving, one of the first things he or she must think about is car insurance. You may have been told that it will be very expensive to get car insurance if you are a first time driver, and while it is true that it will be more expensive for you than it will be for a more experienced driver, you can still find cheap car insurance for first time drivers.
If you look at it from the insurance company's point of view, you can understand that they feel like first time drivers are a bigger risk than those who have driven for years, and will charge accordingly. They must protect themselves against the statistics that show that first time drivers are involved in a higher percentage of accidents than those with more experience on the road.
However, there are some things you can do to find cheap car insurance no matter how much experience you have driving. Before you begin, you will need some basic information, such as the make, model, and year of the car you are planning to drive. You may not realize it, but fancier or racier cars often cost you more in insurance than standard cars do. Also, if a car is high on the list for those that get stolen most frequently, they will have higher insurance costs as well. Cars that are newer cost more for replacement, so their insurance costs will be higher than cars that are older. If you have a couple of different cars you could choose from, you should get quotes on both of them so that you will know which will have a lower insurance cost.
Next, you will need to understand a little about the different kinds of insurance you must carry as opposed to optional types of coverage. For instance, everyone must have liability insurance, but you are not required to carry comprehensive and collision insurance unless you got a loan from a bank to buy the car you are planning to drive and insure. For cheaper auto insurance, you will want to buy a car without having to take out a loan if at all possible.
There are certain discounts that are available for even new drivers, such as a good student discount or a multi-car discount. Be sure to ask about the available discounts when you talk to an insurance agent. One of the quickest ways to lower your insurance costs is to raise your deductible. The deductible is the amount you must pay before the insurance pays their part after an accident occurs. For instance, if your deductible is only $200, then your premiums will be much higher than if your deductible is $500. Be sure your budget can handle the deductible before deciding what it should be.
Once you have all of this information ready, then you will need to shop around for cheap car insurance. Using the internet is a great way to get quotes from a number of different companies so that you can make comparisons that will help you make a good decision on which one will give you the best price for the most insurance.
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