Fact – Auto insurance for new drivers is usually more expensive than if you have a long history of safe driving. With that said, if you do not know how to shop around and negotiate for the best deal, you can wind up paying even more than you need. A lot of people do not understand why it costs more for new drivers. The reason is because statistics have shown that the probability of claims from new drivers are higher. The same is true if you are under 25 years of age. Therefore, new, young drivers have two obstacles to overcome. There are, however, ways. So read on.

There are some auto insurance companies that offers cheaper policies that give the same coverage. Some even come with a one year “no claim” bonus specially for teens over 19 years old.

Therefore, it is always smart to look around and ask for quotations from at least 3 different insurers so that you can make comparisons before signing up with a carrier.

Now, with the internet, you can easily search and request quotations from various insurance providers. Once you have short listed the top three, just make a phone call or visit their nearest office to confirm the details. The reason for this is sometimes their website may not be updated with the latest information.

One of the easiest and most direct methods is to get a less expensive car or a car with lower horsepower. This will definitely lower your insurance premium as the premium goes up in parallel with the car’s value and perceived performance.

Just ask the insurer if they give lower rates for teens that have good grades in school. Don’t be surprised that some insurance companies do have such a policy.

Take a driver’s training course prior to getting an insurance policy. Again, this might not be true with all insurance company but some of them do provide discount for new drivers who have taken the course.

Some insurance companies also take gender in their premium calculation. Basically, female drivers will get lower rates than males. So, you just need to search around and find one that offers the same rate (if you are a man). But of course, if you are a girl, then you can use that to your advantage to get a lower rate.

Hope you will find the tips offered above useful in your search for your best auto insurance deal.