Get Idea about How Much Is Car Insurance for a New Driver
Normally, a new driver in the USA has to be a teenager only, as people start driving from an early age in this country. Hence, it is major cause of worry for the parents that how much is car insurance for a new driver, as it is going to be an extra burden on their financial liabilities. Once the teenaged family member has completed his/her driving course and received a license, it becomes mandatory to obtain a car insurance for that person. Even if the teen auto insurance is mostly included into the family car insurance policy, the premium is shot up to a large extent.
The costs of the teen car insurance vary from state to state; as New Hampshire is the costliest US state and Hawaii is the least expensive state of the USA. But even then, the costs of the car insurance depend on the gender and the age of the new driver, as well as the model of the car he/she will be driving. A well knowledgeable car insurance agent can help the customers in this regard. But there are some effective ways to reduce this cost to some extent.
Tips for managing the extra cost of car insurance for new driver
It is better to check the minimum coverage limits of all types of auto insurance, as per the local laws of the state. If these minimum coverage amounts are more or less the same, as the requirements of the new driver; then it is better to opt for these minimum values only, to keep the insurance premium at a minimum level.
The requirement of the coverage of a new driver should be ascertained as per the total value of his/her car, to avoid any financial loss.
The premium of the car insurance for a new driver can be lowered, by paying the fees of the routine car repairing or checkup, with his/her own pocket money. The collision coverage can be chosen with high deductibles, to further reduce the amount of the insurance premiums.
If the driver already has got sufficient amounts of health insurance and disability insurance, taken in his/her name, by the parents or any guardian; then the coverage for the Personal Injury Protection can be taken to be the minimum amount, to reducing the total premium of the car insurance.
But the coverage against uninsured/ underinsured drivers should be adequate enough to at least meet the repairing cost of the car, if met with an accident by an uninsured driver. As the premium for this coverage is not much in most of the US states, the new drivers can choose an optimum amount for it, even if he/she has separate health insurance.
It is better to choose high deductibles for most of the coverage in the car insurance policy, as this step will help in reducing the premium amount to a great extent.
The driver should not claim insurance money for small accidents, where the trivial repairing costs can be paid by this driver only. This is because the repeated claims from the insurance company will increase the premium amount of his/her car insurance policy.
Thus, the customers can judge the amount of premiums themselves, without worrying about how much is car insurance for a new driver.
I thought You could be interested in this article: Better Decide Beforehand How Much Insurance Do I Need For My Car and Do You Need Insurance To Get A License for Driving Cars.