New Driver | New Savings
Does your insurance company consider you a “High risk” driver because of your age? If you are under the age of 25 and looking for good California car insurance quotes, you are probably not happy with the prices you are about to pay. At Shift Insurance, we believe that just because you are a new driver does not mean you should pay an absurd amount for auto insurance. By knowing the factors that affect your rates, not only will you be less likely to over pay for your insurance quotes but also be able to positively influence your rates. At Shift Ins. we know the ins and outs of California car insurance for young drivers and know how to get you the best quotes regardless of your age or driving record.
As a young driver, the major factors you have control over that will affect your insurance are
1) Your driving record – even minor violations can cause a young driver’s rates to double or even triple. This is especially true when it comes to car insurance for young drivers in CA. It is important to practice safe driving habits and be aware of your state’s driving laws; however, if you receive a traffic violation there are ways to reduce the repercussions towards your driving record. For instance, if you attend traffic school or a similar course you may be able to have the point removed from your record. Some of the companies we work with even prefer to insure younger drivers with multiple infractions on their record. Fill out our California auto insurance quote form and find out how we can help you get car insurance for young drivers in CA that is comprehensive, yet cheap in price.
2) The car you drive – although it may be cool to drive around in BMW or Lexus rolling on 24″s, it will cost you on your young car drivers insurance. California, Florida, New York – it does not matter where you are from, expensive cars can rack up costs in more ways than one. High performance and luxury vehicles, especially those requiring comprehensive and collision deductibles, can be very expensive for a young driver to insure and result in a higher quote. A simple rule of thumb to remember is that if the actual cash value of the car you want to drive is high, the more it will cost to insure it with full coverage. As a young driver, you will be learning the ins and outs of how to drive and most likely be spending a lot of time on the road. Take this time to hone your driving skills in a vehicle that won’t cost you and an arm and a leg to insure, fill with gas, and maintain. The last thing you want to do as you start is to spend a ton of money on new driver car insurance. California is a beautiful state to cruise around in, but going broke in the process is simply not worth it.
3) Your Grades – and you thought they were just for your future. Insurance companies will sometimes take into account the grades of younger drivers they are insuring. Obviously the better the grades the more responsible and less of a risk that driver will be, thus resulting in a lower premium. Most companies offer a “good student” discount for full-time students with a 3.0 GPA or above. If you have good grades, make sure to always ask your agent to include this in the quotes they provide for your young car drivers insurance. California students who excel in the classroom have enjoyed lower rates over the years, and you should do the same.
For a more complete guide to how each individual rating factor affects your insurance rate as a young driver and how you can receive better insurance quotes for your car in California, check out our policy center. Auto insurance for new drivers in CA doesn’t need to be expensive, as your actions can help lower your rates, so keep that in mind as you do your research.
Know where to look, know how to save
Why is it so hard to find cheap auto quotes in the realm of California car insurance for young drivers? The main reason most insurance companies increase premiums for younger drivers is that they lack driving experience. Most companies don’t even start quoting lower rates for drivers until they have at least 3.5 years of driving experience and don’t remove their “high risk” status till after the age of 25. While this may be the case, there are many ways to get better insurance quotes in California and reduce the premium for coverage on younger drivers, especially if you know which companies are young driver-friendly. Shift Insurance is available to help you with finding the right coverage and price on your new driver car insurance. California may have a lot of agents in this industry, but you won’t find ones that are more dedicated to their customers than those right here at Shift. Simply fill out our Car Insurance California quote form if you are a new driver and want to find out how we can help you reduce the cost of your insurance.
Better Rates = Better Savings
When you are in the process of comparing rates for auto insurance for new drivers in CA, you need to be sure that the deals you are getting are the best that they can be. It is all about getting the most out of your car insurance policy, and since the world of insurance is a highly competitive one, you are sure to be able to find some excellent deals out there! The search for auto insurance should not be taken lightly. By taking the time and putting forth the effort, you may just find some opportunities you may have otherwise missed. These opportunities can save you money and that is something we can all get happy about these days! Keep reading to find out some wonderful ways to get the most out of your auto insurance.
The company you are currently insured with may have a wide variety of discounts to choose from that you never knew about, so begin there. If your company cannot do any better for you, look around at others who can. Simply by telling other companies what your current rates are you can get the competitive juices flowing and that can lead to a better rate.
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