It is known that young drivers are more likely to be involved in car accidents than the older ones. According to statistics, drivers whose ages range from 16 to 19 years old are nine times more prone to car collisions than those who are 45 to 54 years old. Moreover, young drivers are four times more prone to car accidents than the 25 to 34 year old drivers. This is the reason why ‘graduated driver licensing’ (GDL) was introduced. This stage-based introduction of new drivers into the driving environment helps a lot, not only in handling risky situations in driving but also in achieving lower quotes on car insurance.

New drivers, usually young ones, get car insurance that costs more. This is because they are more prone to accidents because of lack of experience. Moreover, there are certain factors or reasons which lead to high quotes. These reasons include the age, the car crime level in the place where you live, car security systems (safety features), your parking lot and the car’s price and performance (which includes the type of car). Car insurance companies want to make sure that they will not pay more for the car relative to the price of the insurance.

You may want to ask, what if I don’t have the money to pay the insurance? There are many options to choose from. One, you may ask the insurance company if you can pay on an installment basis rather than paying a lump sum at one time. However, this may mean higher car insurance cost because paying monthly is more expensive. If you don’t want this option, then try another one. Some insurance companies reward new drivers up to 30 percent discount if they have a Pass Plus Certificate (PPC). This PPC could be obtained from the GDL program or from any other additional short courses following the driving test standards. This is one great help to keep your quotes low even if you’re a new driver.

Here are more tips for new drivers: When applying for a driver’s license, or when looking for a driving school, find an institution that your car insurance company recommends. Also, if a parent or a guardian is already an experienced driver, you may want to be specified in their insurance premium as an occasional driver of the said vehicle. This way, insurance rates will be lower than when you are declared as the principal driver of the vehicle.

Since insurance companies will do profile checks when assessing rates, a young driver should see to it that he or she maintains a clean driving record. Accidents and mishap can be avoided, and as a result, both the insurance company and the car owner are benefited.