If you are reading this article, you are probably interested in knowing if there is a difference between a person who is new at driving and a person who has been driving for years. The truth is, no matter how good a new driver is, they are automatically thrown into a lump some of liability drivers. Insurances companies start off seeing new drivers as a huge risk. As that new driver establishes a driving record, this starts to diminish, borrowing that the driving record is a good one.
Unfortunately, young drivers have it the hardest. Not only do young drivers get slammed with the “new driver” premium, they also get branded with the “age” premium. Statistics show that young drivers are more likely to get into an accident than an older driver. More over, fatality rates are much higher in the new driver category with teenagers than older drivers. Why is that you ask?
Teenagers are more prone to partake in risky behavior. An example of this would be a teenager that is one the road, sees another teen and than person revs up their engine. This means they want to race. You think the teen is going to back down from that? I think not, and so does the insurance company. The high fatality rates can be attributed to instances like this. High speeds, driving under the influence, driving recklessly to act cool, and feeling invincible are all characteristics that sadly enough, get young drivers killed.
A more experienced driver knows how to avoid certain circumstances and also how to handle situations better if they were to arise. It is the result of being experienced, knowledgeable, and more mature that make these drivers less of a risk. It is especially good if you are someone who has been driving for years and has very minimal if any marks on the driving record.
Lowering the Risk
If you are a new driver and looking to lower your premium, you need to lower your risk to the insurance company. You can achieve this by doing the following:
1. Take a driving course locally or online. If you are still in school, check the curriculum. Your school probably offers Drivers Ed. If you choose online, make sure you choose a reputable company.
2. Keep your grades a B average if you are currently in school. Good grades show some responsibility. Get good grades and maintain them. A discount is offered when you do.
3. Shop around for insurance rates. There are many insurance companies out there and they are all competing with one another. Insurance is one of those things you can drop like a hot cake and they know this. Get the best deal by checking into many insurance companies before signing a policy.
4. Keep driving miles to a minimum. The less you drive, the less risk you are. Think about it, the more your car is on the road, the more likely someone will have the chance to hit it.
5. Get a car with many safety features. Discounts are offered with additional safety features outside the standard.
In all, you can only lower your premium so much. Insurance pays off in the long run. If you maintain a clean driving record, insurance will not be as big of a pain as it was in the beginning.