Thursday, January 7, 2010

Find a Lower Premium with a Car Insurance Quote

By John Bellafonte

Any family with a teenager in the home is going to need first time drivers insurance. A car insurance quote for first time drivers is going to help the parents narrow down their choices for insurance. This insurance may be a bit higher than insurance for those who have an extensive and proven driving record.

While they may start out higher, there are ways to lower the cost even before that first solo road trip. There are a few insurance companies that offer discounts on coverage to students with a good grade point average or ones that may have completed a driver's education class in school. A car insurance quote will let you know if this is offered by a particular company and what the rate will be both with and without this discount.

The issues that accompany a new driver can cause the insurance companies to start them a quite a bit higher rate than someone who has been behind the wheel for a few years. The relative lack of experience means that the new driver falls in to a "high risk" category with many providers. The right car insurance quote can mean the difference between driving and riding a bicycle for a newly licensed operator.

Those who reside in large cities and high-traffic areas are going to pay a higher premium. Since there is more traffic, there is a higher chance that the new driver will not know how to handle these conditions. New drivers don't often have the experience to negotiate challenging traffic situations.

Those who live in rural areas will receive a lower car insurance quote than those who reside in the big cities. Most of the driving will be done on roads that do not have a good deal of traffic so the chance of accidents is reduced as well. It is important to let the insurance company know where the new driver will need to commute before getting a car insurance quote.

Just because a driver is new, does not mean that he or she is a teenager. These quotes will differ in price if the newly licensed driver is in their mid twenties instead of being a teenager. The reason behind this is that there is a more developed maturity level at that age than in the teens so the driver may be considered slightly lower risk.

These quotes will assist you in making the right choice in car insurance coverage for your teenage driver. By comparing these to the rates of other companies and even your current provider, an informed decision can be reached. Make sure to read each quote very thoroughly when doing the comparison.

Once the car insurance quote has been received and compared to the others, an informed decision may then be reached as to which one to choose. Read the fine print particularly well and be sure that all contingencies are covered. Above all, be sure that the coverage being provided is the best for the amount of money being spent as this will add some peace of mind when handing over the car keys for the first time.

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