1. Using lower-grade cars with lots of safety features.
Lower-grade cars are those that use less fuel, cost less overall, and are generally easier to maintain. The best kinds of low-grade cars are the really small ones with tiny engine capacities. Using a low-grade car — such as a minivan — will earn you lower learner premiums than, say, a Ferrari. Besides, low-grade cars are much less of a hassle to maintain, so they’re good choices for learners.
More safety features will also keep your premiums low since they lessen the likelihood of you getting hurt in the event of an accident. You’ll have to admit that you don’t have much driving experience under your belt just yet, so you’re much more likely to get into a mishap than the next guy. Invest in a car with airbags, seat belts, and other safety features to lower your insurance costs.
2. Simply get more road miles, and insurance companies will look at you more
It may sound unfair that learners car insurance is much more expensive than car insurance for more experienced drivers, but insurance companies have a good reason for this — learners are three times more likely to get into an accident. But the more you drive, the more experience you get, and the more likely car insurance companies will concede with your requests for lower premiums.
Check with the car insurance companies if they give such “road miles” discounts — they may have different offers from other companies.
3. Visit more than one car insurance company.
Most car insurance companies offer special coverage for learners, but their premiums, rates, and other terms may vary widely. It’s best to visit all the car insurance companies you can and get free quotes for coverage of your specifications. That way you can find which insurance company has the best offer for you.
4. Getting the best deal.
The best place to find quotes for learners car insurance is on the Internet. Comparison sites allow you to search through a host of insurers to find the best deal but all comparison sites cover slightly different providers, so it pays to try them all.
Learner drivers car insurance is, in fact, an expensive necessity, but you can save money by taking advantage of these strategies and all available discounts offered by your insurance company.