Experience wins - it just takes a while to get there. But if you can keep a clean, claims-free record from the moment you get your licence, your premium will lower over time. Obviously, you don’t have experience until you have it. Keep this in check and you can reap the benefits elsewhere. As a young person, hopefully you haven’t had time to damage your reputation as a borrower. Insurance companies also look at credit score as an indicator of a responsible client. You can incur savings just by signing up, and if you consistently drive responsibly, your rate can go down. It’s an app-based system that tracks your driving habits, and uses your behaviour on the road to determine your premium. Most insurance companies have a telematics option in some form, like Intact’s my Drive. Here are some things you can do as a newcomer. Getting cheap car insurance as a young driver can be difficult because insurance companies aren’t crazy about the idea of insuring inexperienced drivers. Plain and simple: Maintain a good credit score, pay less for your car insurance. So if you drive responsibly, your rate can go down. Insurance companies then use your driving data to determine your premium. Telematics is an app-based system that tracks your driving habits. The small claims are the low hanging fruit that you should pay out of pocket rather than ‘wasting’ a claim on. Plus, they stay on your record and will cause your future rates to go up. The more claims you submit, the less attractive you are to insurance companies. You’ll get a bundle price that lowers both rates. So the more speeding and traffic tickets you collect, the higher your premiums go.īuy an insurance package that includes car insurance and another type of insurance, like home, tenant, or condo. It’s true - insurance companies have access to all sorts of data related to road violations. Here are some of the best ways to get cheap car insurance:
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