New Driver Car Insurance Quote - Is Now the Time to Insure Your Teen?
There is never a more exciting moment around the house as there is when your son or daughter has just gotten their driver's license. Ok, well it is exciting for them, but it could be a huge headache for you. Now is the time to think about getting a new driver car insurance quote and the great news is, if you take your time and shop around the hit on your insurance premium might not be as bad as you thought.
When to think about a car insurance quote for new driver ...
As long as your teen has the first level driver's license they must have a licensed driver with them all the time. Due to the fact that they are under constant watchful eye of a licensed adult, insurance companies aren't considering them a high risk and because of that fact they don't have to be added to your insurance policy as of yet.
When they complete the G2 level (for Ontario) of their license (or Class 5 elsewhere), that's when things change for you and your insurance, because now they will have to be added to your insurance and that is the time to consider a new driver car insurance quote. There are some factors that will affect your current insurance premium and the best thing to do is to use the internet for an online automobile insurance quote just to get an idea. You would be surprised just how much your insurance premium can change from one Company to the other and how a little shoping can certainly save you.
Factors Affecting New Driver Car Insurance Quote ...
The number one thing you can do for you and your teen, when it coes to getting a new driver car insurance quote, is to get your teen into a driver-training course. This is not only great for them because it shows them how to handle themselves safely behind the wheel, but, it provides them with discounts off insurance for the first three years they are licensed.
For your daughter, by completing a driver-training course there are many insurance companies who will add them to your insurance without seeing any huge increase in your current insurance premium. Stats have show that female drivers are a lower risk for insurance companies that the young guys are, so if you have a daugher getting behind the wheel, take advantage of the discounts where you can.
If you have a son getting behind the wheel, your new driver car insurance quote will depend on the type of car(s), the age of your son and of course their driving history. He is going to increase your insuranace premium, however, understand that rates vary between insurance companies so take the time, do your due diligence and shop your rates! You can learn more about shopping your car insurance rates by reading Canada Car Insurance - Is It Worth Shopping Around?
It can be a trying time as it is having a teen in the household, but adding them behind the wheel of the family car brings with it a whole new realm of responsibilities. You can take the first important step by getting a new driver car insurance quote and finding out just how your insurance rates will increase and what you can do so that the increase isn't as great.
About the Author
Dennise Ryder writes from her home in Toronto, Ontario, Canada. Get more car insurance facts, tips and hints. Canada car insurance premiums differ by $900, are you getting the best rates? Make sure get a Canada car insurance online quote
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