As a new driver, expect to pay more for your car insurance than you would if you were an older more experienced driver. All is not lost, however, there are things you can do to take the sting out of the cost of insurance and lower your rate.

1. Vehicle: Stay away from brand new, very expensive, very fast, sport cars. Expensive cars cost more to insure, the more horse power, the higher and the premium. Go for something that is older, with many safety features. Companies offer discounts for features like automatic seatbelts, airbags and anti-lock brakes.
2. Drivers Education: As a new driver, it will help your insurance rate if you take an approved drivers safety course. Chat with your insurance agent before taking the course. You want to make sure that they recognize and approve of the institution offering the class. Aside from getting good driving information, you do want to get the insurance premium discount so make sure that it is one accepted by your insurance carrier.
3. Sober Driving: This is a no brainer, but needs to be said. Driving while under the influence is not only dangerous, but costly in more ways than one. If you are stopped with a DUI, not only will your insurance rates increase, if you are under aged, it is illegal and your insurance company may void your coverage.
4. Student Drivers: If you're a new young driver that is still in school, maintaining good grades (B average or above) may earn a discount of up to 25% of your insurance premium.
5. Talk to your agent. Your insurance agent is aware of various discounts offered by the insurance company. You might qualify for some of them, but you won't know unless you ask.
6. Compare: Get quotes from more than one company. Shop around.

Hang in there. You're only new once; rates will go down with driving experience.

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The car insurance market is highly competitive, which is good for drivers like you. It takes some time and effort, but if you are willing, you may be able to save a lot of money on your car insurance. It is always a good idea to get as many car insurance quotes as possible, so you can compare the prices. Every time your car insurance is up for renewal, you should always shop around for a better deal. Many car insurance providers will offer you a good deal for the first year, and then increase your car insurance rates after that. For this reason, you may want to use the web shop around and get as many different auto insurance quotes as you can, to make sure you are paying a fair price.

Although numerous see car insurance as a “necessary evil” of owning an automobile, when you need to make a claim because of an accident or damage, you are grateful that you have it. But, it is not just enough to have car insurance; you should also understand what it covers and the “ins and outs” of your policy. Here are some common car insurance terms and definitions to aid you get started:

Collision Coverage: this is the part of your policy that covers you when you hit another car or an object and pays for the repairs to your car-it doesn’t make a difference who is at fault.

Comprehensive Coverage: covers any damage to your car that is not caused by a collision or an upset-like a tree branch falling on your car, etc.

Deductible: most people are familiar with this term. It is the total amount of dough you must pay out of pocket when you make an insurance claim. Higher deductibles generally mean lower premiums.

Effective date: The time period which your car insurance policy covers. If you let your insurance lapse and do not renew your policy, you will not be covered.

Endorsements: Additional coverage and discounts that you may receive on your car insurance. Often times you will get a discount for having multiple policies with a business, for a student’s low grades, and you could also add protection for full new car replacement cost among other items.

Exclusions: Things that are not covered by your car insurance-you will probably not be covered if your car is damaged while you are in the commission of a crime.

Glass Coverage: You can opt for “full glass coverage” in your car insurance which will replace any glass in your car with no out of pocket cost.

Liability Coverage: This is required by most states in some degree. It covers any damage that you are legally responsible to pay for.

No-fault Coverage: This means that your insurance company will pay for any damage or repairs to your car no matter whose fault it is.

Personal Injury Protection: Optional coverage that will cover lost wages, medical costs, and funeral expenses (if necessary) in the event of an accident.

Property Damage: Covers any damage that your car does to someone else’s property.

Underinsured/Uninsured: Makes sure that if the other driver is at fault and does not have adequate insurance that you are covered and your damages are taken care of.

Eriani Doyel writes articles about Insurance. For more information about car insurance visit fnsinsurance.com

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