The Best Way For A New Driver In San Francisco To Find Insurance
In many cities like San Francisco people use the public transit systems instead of driving. In many cases it is easier and also more economical. However, for many the need arises for them to join the ranks of the licensed driver. This of course gives the new driver more freedom to come and go, but it also gives them more to think about as far as expense goes. Obtaining new driver insurance is just one of the many things that will be required.
If the new driver is in a household with someone that already has insurance, it may be cheaper to be added onto the existing policy, if the insured agrees. Because the driver is a new driver the insurance company looks at them as being higher risk since they have not been insured before. This will allow the first time driver to take advantage of the existing discounts on the current policy. Being added to an existing policy is often done at a no down or low down payment so this is just another perk to being added instead of starting a new policy.
In the event that you must purchase a new policy it is important to shop around. Get several quotes from different insurance companies. There are many sites out on the internet that will allow you to do this with just a few clicks of the mouse button.
Always ask what discounts you may qualify for. One discount that many do not ask about is the paid in full discount. By paying the full six month premium up front this shows the insurance company that you are committed to carrying a continuous policy and many times they will reward you with a discount. It isn't easy paying that much up front, but if the discount is substantial enough it is worth it.
If the new driver is in a household with someone that already has insurance, it may be cheaper to be added onto the existing policy, if the insured agrees. Because the driver is a new driver the insurance company looks at them as being higher risk since they have not been insured before. This will allow the first time driver to take advantage of the existing discounts on the current policy. Being added to an existing policy is often done at a no down or low down payment so this is just another perk to being added instead of starting a new policy.
In the event that you must purchase a new policy it is important to shop around. Get several quotes from different insurance companies. There are many sites out on the internet that will allow you to do this with just a few clicks of the mouse button.
Always ask what discounts you may qualify for. One discount that many do not ask about is the paid in full discount. By paying the full six month premium up front this shows the insurance company that you are committed to carrying a continuous policy and many times they will reward you with a discount. It isn't easy paying that much up front, but if the discount is substantial enough it is worth it.
As a new driver it is up to you to prove yourself to the insurance companies. Your responsible and safe driving can pay off fairly quickly. After six months it is time to shop around again for a cheaper rate. Now that you have had continuous coverage for six months and no accidents or tickets, you can be moved from the high risk category to a lower risk category.
As with the teen driver there are many things that should be considered by a new driver over twenty. Enrolling in an adult driver's education course, purchasing a vehicle that is safe and reliable and avoiding sports cars will help to keep insurance rates down. Keeping your driving record clean and shopping around whenever something comes along that changes the dynamic of the covered motorist will help the new driver keep their insurance rates low.
Once insured as a new driver you will have the freedom to drive where you want to go when you want to go. You can even take a driving tour of San Francisco and see things you couldn't see from the trolley.
As with the teen driver there are many things that should be considered by a new driver over twenty. Enrolling in an adult driver's education course, purchasing a vehicle that is safe and reliable and avoiding sports cars will help to keep insurance rates down. Keeping your driving record clean and shopping around whenever something comes along that changes the dynamic of the covered motorist will help the new driver keep their insurance rates low.
Once insured as a new driver you will have the freedom to drive where you want to go when you want to go. You can even take a driving tour of San Francisco and see things you couldn't see from the trolley.