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Getting your new quotes is easy, fast and free. In fact, it won’t take much longer than reading this post.
Maybe you had another year of safe driving. Or you bought a new car with more safety features. Or maybe a driver left your policy. There are dozens of reasons why your new quote could be lower than your current premiums. Enter your zip code into the search box to compare auto insurance and find out how much you could save today.
How Much Could You Save? Get a Free Rate Quote
Most insurance companies prefer to insure experienced drivers who have three or more years of license experience over inexperienced drivers with less than three years of experience. Inexperienced drivers attempting to get an auto policy in their own names are rated as if they are likely to be involved in an accident in the near future. Comparing auto insurance rates will only take a few minutes. So why not see how much lower your new quote might be.
Most inexperienced drivers are placed in their state’s Assigned Risk Plan, also known in some states as the Automobile Insurance Plan, Reinsurance Facilities, State Funds, Joint Underwriting Associations, or simply the Risk Pool. Basically, the Assigned Risk Plan was designed to insure inexperienced drivers as well as drivers with poor driving records who are considered too substandard to be insured in the regular market at standard rates.
Since these drivers have to be insured in some way, individual states have designed their own risk pools, which are quite similar to each other, but are called by various names.
The first rule an inexperienced driver should remember is to avoid getting an individual policy. You will wind up in your state’s Assigned Risk Plan, paying its exorbitant rates. New drivers should make every effort to be added to either their spouse’s or parent’s policy as an additional or occasional driver. You’ll be charged the standard rates and save yourself a lot of premium dollars and aggravation.
For example, if you’re a single person living at home, you could have yourself classified as a non-principal and occasional driver and thereby cut your premium bill in half.
Compare Auto Insurance Quotes Online Could Save You $100s
If you’re a married person as well as a new driver, you could save $100s by being added on to your spouse’s policy. Comparing auto insurance online is easy – just enter your zip code to compare auto insurance rates from the local insurance companies.
Remember that as an add-on to either your parent’s or spouse’s policy, your driving mistakes affect not only your own record and rates, but theirs as well. Since a moving violation can increase the overall premium by 10 percent and an at-fault accident can do the same damage by 20-40 percent, your cautious driving will not only pay off in lower rates, but also in better family relationships.
For those inexperienced drivers who have no other choice but to take out an individual policy and pay the assigned risk rates, we suggest that you free yourself and your car from any bank lien so that you won’t be burdened with the extra comprehensive and collision coverages.
Get a free rate quote on ComparingAutoInsurances.com now.