o Try to be added on to another driver’s car insurance policy, such as your parents’ or your spouse’s. This may raise their premiums a bit, but it will cost less than purchasing a completely separate car insurance policy. Plus, they may get a discount for having multi-drivers and multi-vehicles on their policies.
o If you didn’t use a lender to help pay for your car, consider purchasing your state’s minimum liability insurance requirements. (Lenders usually require you to purchase more than the state’s minimum.)
o Purchase your new driver car insurance from another insurance company from which you purchase another insurance policy, such as your home owner’s insurance policy. Having multi-line insurance can sometimes help you get discounts.
Of course, there are other factors that go into determining your new driver car insurance, such as your age, the kind of car you driver (safer is better), your driving record, and even your credit score. These factors can’t be changed overnight, so it’s best to keep them in mind as you become a more experienced driver. In the meantime, always ask your car insurance company about additional special discounts for which you may be eligible as a new driver.