My name is Eric Bowman, and if you have questions about insurance, this is the blog you need to read. I was always confused when I had to purchase insurance. I would either end up paying for insurance I didn't need or I wouldn't buy the right policy. I finally decided that I was going to learn all I could about insurance policies so that I would understand exactly what I was buying. Now, I am completely satisfied with my insurance and the coverage is just what I need. I realized that there are others who are probably just as confused as I was, so I am writing this blog to help others get the best insurance for their needs and budget. I hope that my blog gives you the information you need to make the right choices when purchasing insurance.
If you just got your license, you are going to quickly find out that your insurance rates are higher than people who have had their insurance for longer. As a new driver, you present a higher risk to insurance companies, and that risk is going to be reflected in your premium. Here are three actions you can take to ensure that you keep your premium as low as possible.
#1 Get Good Grades
If you are still in high school or college, you may be able to quality for a good grade discount program. With these programs, you have to provide your semester grades to your insurance company. If you are able to maintain your grades above a certain grade point average, generally somewhere around a B average, you will get a discount on your insurance. This discount is based on the fact that you are excelling in school. It is also based on the fact that an insurance company believes that students who get good grades and excel in school are a little bit less of a risk to insure than students who fail to thrive in school.
#2 Keep A Clean Driving Record
Do your best to keep a clean driving record. Remember and review all the rules of the road. Use your blinker when you change lanes and make turns. Come to a full stop at stop signs and don't roll through them. Obey the speed limits and the flow of traffic and don't feel the need to put the pedal to the metal. Put your cell phone away when you drive.
Doing all of these things will help you avoid getting any tickets as well as into any accidents. Additionally, if you have a graduated license, be sure to follow all the provisions of that license. Keeping a clean record will keep your insurance premiums in check.
#3 Take A Driver's Training Course
If your school offers a driver's training course, be sure to sign up for the course. If these courses are not offered through your school, see if there is one in your area that you can take. Even if you have to pay for the course, it is worth it. For one, it can teach you important defensive driving skills and it is a great way to ensure that you understand all the rules of the road and etiquette of driving. Also, it is a stellar way to reduce your insurance premium and save on your insurance for a couple of years.
As a young driver, you can reduce your insurance costs by getting and maintaining a solid grade point average, avoiding accidents and tickets, and taking a drivers training and safety course. Talk with a company like Matlack & Company for more information.