Congratulations, you finally got your driver’s license! You have the power to decide what kind of driver you’ll be, what kind of car you’ll drive, and what music you’ll play on the radio. Unfortunately, you don’t have the power to set your auto insurance premiums.
As a new driver with no experience or driving record, providers will consider you a high risk customer. They assume your lack of experience will lead to accidents and claims which they’ll be responsible for paying. And while it may seem unfair, you can avoid paying a higher premium by researching car insurance companies that can give you the best quotes and discounts.
Just because you now feel independent doesn’t mean your insurance policy needs to be. You can add yourself to an existing policy, whether it be your family’s or your roommate’s, as long as their address remains your primary address. A family policy will unlock multi-car and multi-driver discounts, saving you and the other people on the policy money.
|Discount Type||Discount %|
|Good Student Discount||25%|
|Driving training discount||Varies|
|Defensive Driver Discount||25%|
|Good Driver Discount||26%|
|Good Credit Discount||84%|
|Professional organization discount||Varies|
|Multiple Vehicle Discount||38%|
|Multiple Policy Discount||25%|
|Passive Restraint Discount||40%|
|Seat Belt Use Discount||15%|
|Anti-Theft Device Discount||36%|
|Student Away at School Discount||47%|