Getting your driver’s license is an exciting event. Also, you get your first car. But it is not exciting to pay the first car insurance. All car insurance companies are tired of providing coverage for people without a proven track record of safe driving habits. Therefore, in order to obtain the lowest possible rates for car insurance for the first car, specific steps must be taken.
- The type of car you buy plays a role in setting your prices. The more expensive and newer the car, the higher your price. The car safety rating will go a long way in determining your prices as well. The better the safety rating, the less you pay for coverage. Finally, the insurance company that you apply to will look at the theft rate of the specific vehicle you are insuring. The more you steal, the more you pay. Pay attention to these three factors and choose your vehicle wisely.
- Driving a defensive line before you buy your car will help you get lower prices. If you have already taken a driver education course, this will help. However, volunteering for an additional class on defensive driving techniques will result in lower driver insurance rates for the first time.
- Finally, keep a good place to store your car. Most car insurance companies will want to know where the vehicle is stored while not in use. If you have a closed garage, this is the best option and will get the lowest possible price.
If you are a young driver, car insurance rates do not have to be high.