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Affordable Insurance For New Drivers

New drivers often face higher car insurance costs due to their limited experience and increased accident risk. It's essential to choose a policy that balances affordability with sufficient coverage. Get a free quote below!

How Does Driving Experience Impact Insurance Rates?

When you first get your driver's license, your lack of experience creates more expensive car insurance premiums. Inexperienced drivers are historically more likely to get involved in an accident and file an insurance claim. Because of this, insurance companies charge more for an inexperienced driver's car insurance policy than they do for more experienced operators. Insurance is a business that assesses risk to offer car insurance, and if you pose a bigger risk than someone else, you are charged a higher insurance premium. In addition to your lack of experience, if you apply for your first car insurance policy, you will incur an additional surcharge for not having prior insurance. Even though your first car insurance policy may cost you more than you expect, there are ways to find affordable car insurance no matter what kind of driver you are.

How to Get Auto Insurance for Young Drivers

Teen drivers are especially high risk when it comes to car insurance policies. If you are a teen driver looking for affordable car insurance, it may be best to talk to your parents about being added to their current insurance policy. In doing this, you will typically find your car insurance premium is less than if you were to purchase your own car insurance policy. When you are added to your parents' insurance policy, you benefit from the lower rates they are receiving for being more experienced drivers and discounts they may have, such as multi-car, tenure credits, and possibly a homeownership or bundling discount. If you purchase your own auto insurance policy, you will find your insurance costs are higher because you will be charged for your lack of experience and prior insurance.

How to Save on Car Insurance for New Drivers

Car insurance can be expensive for any new driver, but there are ways to trim back your insurance costs even if you are a new teen driver. Many insurance companies offer all types of discounts to maximize your savings and ensure you get all of the car insurance discounts you are eligible for. These discounts include:

Good Student Credit: This is a discount awarded to drivers under 25 who are enrolled full-time in school and have a grade point average of 3.0 (B) or higher.

• Driver Training Discount: If you have completed an optional driver training program, you usually qualify for a credit.

• Distant Student Credit: If you are a student and attend a school that is more than 100 miles away from your home and you do not have a car on campus, you can qualify for a distant student credit because you will not have access to a vehicle full-time.

• Tracking Device Credit: Most auto insurance companies offer a discount if you sign up to use their mobile app or install a small device in your car that reads your driving activity and reports back to the insurer.

Billing Discounts: If you are willing to pay your auto insurance policy in full when you purchase it, or allow the insurance company to directly debit your checking account or charge your credit card for your monthly premiums, there is usually a discount through your car insurance carrier.

Homeownership Discount: Some car insurance carriers will give you a discount if you own a home.

Bundling Discount: If you have a home or renter's insurance policy with the same insurance carrier through which you purchase your auto insurance, you will be eligible for a bundling discount, saving you up to 20% on your car insurance premium.

• Veteran Discount: If you are serving or have served in the U.S. military, your car insurer may offer you a discount for your service to your country.

It is important to ask your insurance agent or company about all of the available discounts on your auto insurance policy so that you can ensure that you're getting affordable car insurance without compromising your coverage.

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Amy V. ⭐⭐⭐⭐⭐

A-MAX Military

We are super satisfied with the service we get from Stephanie every time we need a quote, make a payment or even just a simple question…She is super friendly very professional and did I mention very thorough about any information she gives us. I feel like she always goes above and beyond no matter what service we need.Thank you Stephanie we need more people like you in the customer service world!

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Nate P. ⭐⭐⭐⭐⭐

A-MAX Cypress

Lindsey was absolutely amazing, she stayed on the phone with me until the whole process was complete and was very polite! Also, the rates are unbeatable!!! I would put 10 stars if I could but I guess I'll just highly recommend them!

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Abelia C. ⭐⭐⭐⭐⭐

A-MAX Blackhawk

Vanessa had helped me with a quote and getting started on insurance, she was extremely helpful and gave me an awesome deal!! She was super polite and beyond helpful!!

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Miguel C. ⭐⭐⭐⭐⭐

A-MAX Closner Blvd

Great customer service! Immediate quote with the best prices in town. I had have them for about six years now and they are always eager to help and give you the best deal.

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Richard L. ⭐⭐⭐⭐⭐

A-MAX Cypress

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Lejoan B. ⭐⭐⭐⭐⭐

A-MAX Lake June

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Ametrus B. ⭐⭐⭐⭐⭐

A-MAX Garland

If you just need liability insurance, this is the go to place. Lowest prices in town. Friendly agents to work with.

What Kind of Coverage Does a New Driver Need?

It may be tempting to purchase the bare minimum coverage on your auto insurance policy to keep your insurance costs down, but make sure you understand the coverage you purchase and that it is enough to cover you in the event of a serious car accident. Every state has a minimum required liability insurance limit, but these limits are very low and could expose you financially if you get into a large accident.

Good car insurance is insurance that provides you with peace of mind so that you are not held accountable financially if you cause a motor vehicle accident. If the liability or property insurance limit on your policy is not enough to cover a claim from an accident that you caused, you may have to pay out-of-pocket for the damage and injuries to the other drivers and passengers that your insurer does not cover. This can be financially disabling, so buying the best car insurance you can afford is important.

New Driver Insurance FAQs

Q: Why is car insurance more expensive for new and inexperienced drivers?

A: The more driving experience that you have, the less likely you are to get into an accident. New and inexperienced drivers pay more for their insurance than more experienced drivers because new drivers are historically more likely to cause an accident.

Q: Is it better for a young driver to get their own insurance policy or for them to be insured on their parent's car insurance?

A: A young driver will almost always be less expensive to insure on their parents' insurance policy because they will benefit from the discounts that their parents are receiving and their parents' experience.

Q: How can I find cheap car insurance as a new driver?

A: If you are newly licensed, it is important that you talk to your insurance agent or insurer to make sure that you are receiving all of the discounts you qualify for on your car insurance. This will help you save money and ensure that you buy as much liability coverage as you can afford within your budget.


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