Getting your first car is an exciting experience. Whether it's a hand-me-down or brand new, owning a car also comes with a lot of responsibility. One of those responsibilities is making sure you have car insurance.
Let’s take a look at car insurance for first-time drivers and tips on getting a car insurance quote.
Getting insurance for first-time drivers
You’ve got your learner’s permit and you know the rules of the road. As a new driver with only a learner’s permit, you can only drive with a fully licenced driver in the car. For example, you take the family car out for a drive around the block with one of your parents (who are fully licenced). Since they’re the owner(s) of the car and they’ve given you permission to drive their car, you’ll be covered under their car insurance policy. It’s also a good idea for them to let their insurer know that you’ll be getting behind the wheel with a learner’s permit.
Once you’ve progressed to the next level of licensing, it's time to shift gears and think about whose car you’ll be driving. If you’re living at home and plan to share the family car, your parents must add you to their car insurance policy. If you decided to get your own vehicle and registered the car in your name, you’ll need to buy your own insurance policy. Here’s what to consider when getting an auto quote and the details you’ll need to keep handy.
It’s important to let your insurance representative know how you will use your car. Will you be using it to commute to work or school or will you be using it as part of your job. So if you’re wondering whether your personal auto insurance covers you if you use your vehicle as part of your job, be sure and reach out to an insurance representative to answer your questions.
Ways to help you save money on your insurance
Completing certain driver training courses may help lower the cost of your insurance policy.
In addition, cars with high safety ratings or those considered to be at low risk of being stolen are typically less expensive to insure.
There are a number of ways to help keep your insurance premiums from rising unnecessarily. Maintaining a safe driving record, following traffic laws and taking proper precautions during inclement weather to avoid an accident, are all ways to keep your auto insurance premiums from increasing.
Talk to your Aviva insurance representative to learn more.