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New Driver/Beginner Driver Auto Insurance

While teens make up the majority of new or beginner drivers, new drivers also consist of individuals that may be new to the country, individuals that may know how to drive but never obtained a drivers license, and adults that never learned to drive but have made the decision to take a driving class and eventually, obtain their driver's license. Whichever group you may fall into; chances are your new driver/beginner driver auto insurance rates may end up being higher than seasoned drivers' rates.

New driver/beginner driver auto insurance costs more for several reasons. In the case of adult new drivers, insurance companies do not have a history to work with, so your insurance premiums will start out high and gradually decline as you establish yourself as a good or "standard driver." A standard driver (a driver with no accidents, no tickets, fair credit, and pays premiums on time) represents the lowest risk for insurance companies. As long as you remain in this category, your rates will eventually go down-and stay down.

New teen drivers, unfortunately, may not enjoy a decrease in auto insurance rates as they represent the highest risk group of drivers on the road today. They can, however, do several things to prevent their rates from increasing and they may even qualify for special discounts if they have a B average or better in school. When shopping for new driver/beginner auto insurance, consider the following:

  • The teenager can purchase his or her own personal auto insurance policy, especially if he/she happens to be driving an older vehicle.
  • Parents can classify their teen as an "occasional" driver rather than a "primary" driver on the family auto insurance policy.
  • Teens can enroll in a defensive driving course; upon completion, he or she may qualify for a reduced premium.
  • Parents can purchase a low-performance vehicle (sedan) for their teen rather than a high-performance sports car or SUV.

To keep rates low, parents should do the following:

  • Limit the number of passengers allowed in the car with your teen.
  • Assign an early curfew.
  • Ride with your teen as often as possible in order to reinforce safe driving behavior and skills.
  • Limit the amount of time your teen is allowed to drive the vehicle.

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