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How can I find cheap first-time car insurance?
I just got my license, and before I start driving, I want to make sure my car is insured. I don't have a lot of money, so I'd love to know how to hunt for cheap car insurance.
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
First of all, congrats on getting your license! That’s a great accomplishment.
The best way to find cheap car insurance as a first-time driver is likely to not purchase a policy on your own. If your parents already have vehicle coverage, adding your name to their policy can mean
more affordable insurance
rates for you.Keep in mind, however, that adding you as a teen driver will raise your parents’ rates to some degree.
If you want to help your parents save money or if you prefer to get your own policy, be sure to shop around before making a decision. Getting quotes from multiple insurance providers will allow you to choose the policy that best suits your needs and price point. The
Jerry
app can provide you with quotes from the nation’s top insurance providers in just a few minutes.Age isn’t the only factor that affects your rates. The make and model of your car can also make a difference in the price you pay for insurance. For example, luxury vehicles are often more pricey to insure than moderately-priced vehicles.
To potentially lower rates, ask insurers about discounts. Insurance companies often offer discounts for:
- College students
- Good drivers
- Bundling home and auto insurance
- Multiple vehicles on one policy
If you still feel like insurance is too expensive, remember that young drivers are usually higher risk in the eyes of insurance providers. As you get older, gain more driving experience, and are perceived as less of a risk, your insurance coverage will become more affordable.
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- Gregory R.
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