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Car Insurance Tips for First-Time Drivers.

There’s nothing quite like the feeling of getting behind the wheel of your first car and the sense of freedom that comes with it. What also comes with it is the need for car insurance – which can often be extremely expensive for first-time drivers. Because you are considered high-risk, teenage and other first-time drivers can expect to pay higher car insurance rates. Yet there are ways to reduce the cost. Here are a few insurance-buying tips.

First and most important, consider the type of car you purchase. Sure, that little sports car is a blast to drive – but that powerful engine means painfully expensive car insurance premiums. The same is true of many luxury vehicles and SUVs, which have the highest rate of rollovers. Look for a safe, reliable car that has a smaller engine, is well built and comes with ample safety features. Your car may not be flashy, but it will save you financially. What’s more, you don’t want to add any modifications to the car – unless, you’re installing an alarm or other safety device. These safety features likely will qualify you for a discount on your car insurance rates.

Second, make sure you have at least the minimum car insurance coverage as required by law. This varies per state, although most require first-time drivers to carry at least basic liability insurance, which reimburses the other driver for any injuries or property damage you may cause. It does not, however, cover damages to your car or the cost of medical care for you and your passengers. If you can afford it, look for a more comprehensive policy that pays for any medical expenses, regardless of who is at fault. You’ll also want to consider protection against personal injury – such as lost wages and pain and suffering – as well as uninsured or underinsured motorists. While this additional coverage may add to your monthly car insurance premium, it will save you should an accident occur. Shop around – every provider and, indeed, every policy is different. You may be surprised.

If you practiced driving under your parents’ or another person’s insurance, check with their provider to see if you qualify for a first-time policyholder discount. Or, you may want to add an older, more experienced driver to your policy to help keep the premiums low. Many insurers offer a discount for completing a safe driving course. You also may want to consider restrictions on your license, such as limiting your driving radius or ability to drive at night.

Finally, just be smart. Drive safely, follow the speed limit, keep a clean driving record and avoid making insurance claims – the effort will pay off big come renewal time.