Maybe you're a teenager, and you're ecstatic to finally be the one behind the wheel. On the other hand, maybe you're an adult who just never got around to getting a driver's license when you were young. Or maybe this is your first time owning a car. You've had a license for years and years, but you haven't used it much and don't have any driving history to back you up. In any of these scenarios, you could end up seeing very high auto insurance quotes.
It's true that inexperience makes you a high-risk driver. Unfortunately, that's unavoidable we've all been there at some point in our lives. The good news is, there are other steps you can take to keep your insurance quotes down.
Take a driver's ed class. If you take a defensive driving class, most insurance companies will give you a lower rate. Plus, the extra education will make you a better driver, which decreases your chances of getting into an accident.
Keep your mileage low. If you can, you should walk, bike, or take public transit to and from work. Not only are you helping the environment and saving on gas, but it might help you get lower auto insurance quotes. Most companies offer a low-mileage discount for people who don't use their vehicles very much. If going by foot or public transit isn't an option, see if there's anyone else in your office willing to carpool. That might be enough to decrease your monthly payment.
Check for discounts. Are you a student? Many companies will offer a discount for a high GPA. Affiliated with a fraternity? That might help, too. Different companies offer discounts for a wide variety of reasons, so see what options are around. You might qualify for something surprising and save some money.
Keep clean. This might not help in the short-term, but after a year or two a clean driving record will help you lower the cost of insurance. That means don't get into an accident, and don't get a ticket.
Get a high deductible. This is definitely a give-and-take scenario. By choosing a policy with a high deductible, you will save money on your monthly payments. On the other hand, if you do get into an accident, that means you'll be out-of-pocket for a bigger portion of the bill. And remember, this is true even if the accident isn't your fault. No matter how careful a driver you are, there is still a risk involved.
Shop around. Don't just take the first offer you get; shop around, and get auto insurance quotes from as many companies as you can. The more quotes you see, the more likely you are to find a great deal.
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