Selecting 21st Century auto insurance, new drivers will get some great coverage options, possible discounts and some practical advice along the way
Becoming a new driver can be an exciting time, but it does carry a tremendous amount of responsibility. One of those responsibilities is carrying adequate auto insurance. There are many types of insurance, including 21st Century auto insurance, new drivers can consider. When you are shopping for new driver insurance, it is important to understand your policy options and potential costs.
Calculating rates
When shopping for 21st Century car insurance, new drivers should be aware that a number of factors can and
often do affect auto insurance premiums, including:
- Age
- Driving record
- Make and model of vehicle
- Credit history
Your age and your driving record are two of the most important factors that may affect the cost of your insurance. Although you cannot change your age, you can positively impact your auto insurance rates by driving safely. It may also be possible to take advantage of discounts to help lower the cost of your 21st Century auto insurance new drivers policy by establishing a steady history of safe driving.
Click here for free quotes on auto insurance policies for your new driver
One option that could help lower your auto insurance is to take a defensive driver course. In order for the discount to apply, it is important to make sure the course you take is recognized by the Department of Motor Vehicles in the state in which you reside.
As a new driver, you may still be a student. One of the discounts 21st Century auto insurance offers is a good student discount. If you are a student attending a high school, college or university, you may be able to lower the cost of your insurance policy simply by making good grades or making the dean's list or honor roll at your school.
21st Century car insurance new drivers may also wish to consider requesting a higher deductible. The deductible is the amount of out-of-pocket money you will be required to pay for repairs if you make a claim on your insurance and as a general rule, the higher the deductible you select, the lower your premium costs will be.
Add to an existing policy
In many instances, new drivers are teen drivers. Rather than having your teen obtain his/her own new driver 
policy, you may find it is less expensive to simply add him/her as an additional driver to your existing auto insurance policy. If you already qualify for discounts on your own insurance policy, those discounts can then be passed on to your teen driver. If you do add a new driver to a parent's or family's existing auto insurance policy, this may qualify you for a multi-car or multi-driver discount on the policy.
You may also be able to qualify for a discount if you combine both your auto insurance and your homeowner's insurance or have certain automobile safety and anti-theft features on the family car.
By understanding the factors that affect your insurance rates and how to take advantage of possible discounts, you can find an insurance policy that is right for your needs as a new driver. Getting the advice and counsel of a seasoned car insurance agent may help you in this quest. An agent can also show you a range of competitive plans with different coverage options, costs and discounts you may be eligible for. Reply! can assist you here by putting you in touch with car insurance agents in your area familiar with the unique needs of new drivers.