Learning how to drive is one of life’s greatest events. For teenagers, it gives them freedom to start building their own lives, independent of their parents. However, with this freedom comes a lot of risk. Teen drivers are three times more likely to experience a car accident or a near miss than drivers aged 20 or older.

Although young, new drivers are more likely to experience a car accident, accident-prone drivers exist in all walks of life and experience levels. Here are a few ways to make sure you are covered by insurance in North Carolina, even if you don’t have a great driving record.

Be patient

Good driving habits come with experience. The more a person drives, the more time they have behind the wheel and the more likely they are to learn more about the rules of the road. You can teach people a lot in a driving class, but getting behind the wheel and feeling the movements of the car on the road is the smart way to learn how to react to different driving situations.

If you are a new driver, your insurance costs may be higher simply because you are statistically riskier to insure than older, more experienced drivers. Over time and with a good driving record, these costs can decrease.

If you are an experienced driver with a few mishaps on your driving record, patience can also help you reduce your payments. Discovering where you are struggling with driving and trying to be a safer driver can help reduce your insurance payments over time.

Search multiple policies

Every insurance company has their own method for creating the costs for their insurance policies. By going around and getting quotes from multiple companies, you can find the lowest insurance cost for an accident-prone driver. You can also try checking policy offerings from national and local insurance agencies to see if there is a cheaper insurance option being offered.

Your insurance policy cost depends on factors other than age, too. The car you drive can be more expensive to insure. New drivers or accident-prone drivers can benefit from having a car that is safe, secure, and cheaper to insure than a newer, fancier vehicle. Older vehicles are often easier and cheaper to fix as well, which makes them ideal for people who may be more accident-prone when they are driving.

Create new driving habits

If you are an older, more experienced driver but you still have a poor driving record, you may also benefit from searching around for different car insurance policies. You could also receive a discount on your car insurance by attending a safe driving class or by installing safe driving software in your car.

You can also consider increasing your liability coverage, which could help you in case you are at fault for a car accident. Raising the deductible you are currently paying could lower your total insurance premium over the course of a year.

There are many different ways to insure accident-prone drivers. Over time, the smart way to get better car insurance rates is to create safer driving habits, which will help you and other drivers on the road with you.

 

Wanna talk rates? Please contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.