Saving money on first time car insurance is something that every young driver wants to do. Everyone knows that inexperienced drivers will pay a higher premium, simply because they do not have a proven rack record on the road.
Before you can save money, you have to understand what the rates are based on. Firms decide how much to charge you based on four different things.
The first is your driving record. Since you probably do not have much of a driving history, the rate will be higher because you will be treated just the same as someone with a bad record. Also, the kind of vehicle you are covering is very important.
Generally, the lower profile vehicles are the cheapest, because they are not expensive to repair or replace, and also are not at high risk of getting stolen. In other words, choose that Honda Civic over the Ford Mustang, or a new Citreon 7 seat crossover vehicle, if you want your rates to go down.
The amount of miles you drive yearly is another factor. The more you drive, the higher your chances are of crashing. Also, the kind of driving you do is important as well. For instance, locations with more traffic generally have more crashes, and for this reason the residents of New York City will pay a higher premium than somebody in rural Alabama.
In other words, if you really want to save money and acquire inexpensive insurance, focus on getting a cheap vehicle, and also driving carefully. The latter tip will have no immediate impact on your rates, but it will effect things long term. If you can make it to 25 without causing a crash or getting any tickets, your rates will go down quite dramatically.
Also, while this is not in your control as much, drive as little as possible. Finally, get as many quotes as possible. Whether you are looking for cheap full coverage dental insurance, home insurance, or temporary car insurance, getting as many prices as possible is imperative for paying the lowest premium.