When looking for auto insurance, new drivers will be charged a higher rate than those with a driving record. This statement is a given. There are, however, ways that some of these higher costs can be reduced. It takes some time and research on the new driver looking to get insured, but it can happen.



First off, look to see if someone in your family has an auto insurance policy that you can join. This saves a lot of money compared to having an individual coverage. Being on a family member's auto insurance that has a driving record as a new driver can bring many benefits. These benefits include:

1. A multi car discount. Being that the family member owns their own car, and maybe two, adding your car will increase discounts due to being a loyal customer.

2. Not as high rates for you. Being that they have an established driving record, it helps your rate not be as high.

Other ways to save are looking for discounts for taking a driving course. With any insurance company, there is usually a discount for taking a defensive driving course. These are not required, but can reduce your rate showing you are a proactive driver and going through a course like that will educate yourself on being a more informed driver. Many schools offer this. If the new driver is a teenager, most schools offer a course usually labeled Drivers Education. If you are not a teenager, check online for sites that offer driving courses or your states government site. Many times these courses can be taken online as well. New Teenage drivers can also stand to get a good grades discount. As long as they maintain a grade average of a B or higher, they are eligible.

Another discount that is available to some is a military discount to active military personnel or even retired. Many people do not know to take advantage of this discount. It is not available with all insurance providers, so check with your specific company.

Other discounts can be having your car insurance with the same company that insures your house. If you are a new driver looking for insurance, this could be the most money saving opportunity. Areas of your insurance policy might also be able to save you money. If you have a good health insurance policy, it might not be necessary to carry as much liability insurance. It is also a well known fact that the higher the deductible you chose to assume, the lower your rate will become. Not driving your car as much can also save you money. If you are not planning to drive your car often, or you have very few miles to go when go to work and back, make sure you indicate that.

There are quite a few ways to save when looking to get a new driver auto insurance coverage. Just be patient, review all possible discounts and understand everything about your policy before you sign.