Why New Drivers Pay More and How to Save on Your First Policy
Getting behind the wheel for the first time is exciting but when new drivers shop for insurance, they’re often surprised by higher premiums. This isn’t a penalty; it’s because insurers consider driving experience when setting rates.
At My Auto Shields, we want new drivers to feel empowered, not discouraged. Understanding why rates are higher and learning how to lower them can help you start off right.
“Insurance companies price risk. New drivers simply have less experience, but that doesn’t mean there aren’t ways to save from day one.”
My Auto Shields Team
Statistically, new drivers are more likely to be involved in accidents. Because of this, insurance providers charge more until you build a safe driving record. The good news? There are plenty of strategies to bring costs down without cutting essential coverage.
Why Premiums Are Higher
Lack of driving history, limited credit history, and higher accident risk all contribute to increased premiums for new drivers.
Insurance companies need time and data to measure safe driving habits.
How to Save Money
From choosing the right car to taking safe driving courses, new drivers have several ways to unlock discounts and reduce their first insurance bill.
Small changes can make a big difference on your premium.
Smart Savings Tips for New Drivers
- Choose a safe, reliable vehicle sports cars cost more to insure.
- Ask about good student discounts if you’re in school.
- Consider joining a parent’s policy for better rates.
- Take a certified defensive driving course for potential discounts.
- Avoid lapses in coverage continuous insurance builds trust.
- Drive carefully even one ticket can raise your rates significantly.
While new drivers may face higher premiums, the situation is temporary. By making smart choices early, you’ll not only save money but also build a track record that leads to lower costs over time. At My Auto Shields, we’re here to help new drivers start strong and stay protected from day one.
