Getting your driver’s license is an exciting part of adulthood, representing a new freedom and greater mobility. Finding an affordable car insurance policy in Edmonton can be difficult; however, as auto insurance premiums are high across the board for young and new drivers. Age, gender and inexperience can make the costs for a new driver quite expensive. The fatality rate for teen drivers in auto accidents is more than four times as high as that of drivers aged 25 to 34 and nine times as high as that of drivers aged 45 to 54. Young male drivers are especially at risk of accidents and have high insurance rates as a result.
Below are tips to consider when shopping for car insurance for a new or young driver in Edmonton:
- Take A Driving School Course
Many insurers offer a discount if you complete a certified driver’s education course approved by the Alberta Ministry of Transportation. The discount of new driver insurance may vary based on the comprehensiveness of program you choose.
- Shop Around
It is important find out what various companies offer and to compare plans. You will want to compare prices, coverage options, service and discounts. It’s also helpful to ask our auto insurance brokers in Edmonton about their experience with various auto claims to understand what will be required. When shopping around, you may also discover you are eligible for a discount because you are a student.
- Drive Carefully & According to Road Conditions
In order to keep you premium from rising, you will need to drive safely. It cannot be overstated that how you drive affects your risk of getting into an accident. By driving safely you can earn rewards for being collision-free and avoid a driving suspension and premium increase for any convictions.Careless driving is of particular concern and is a major cause of accidents, especially among young or new drivers who are at risk because of their lack experience. Aside from the obvious of a hand-held device being an illegal distraction, passenger distraction adds a further risk of an accident with each additional passenger. It is important to be aware that drivers are not permitted to have more passengers than seat belts, as doing so can void the policy coverage in an accident.It is also important to never drive when you are fatigued, after drinking alcohol or after taking prescription, over-the-counter or illicit drugs. Learner and probationary drivers must have a zero blood alcohol concentration in order to drive legally. Details about the additional restrictions set in the graduated driver licensing program are available through the Alberta Ministry of Transportation website.
- Inquire about Getting Added to Your Parent’s Insurance
If you don’t plan on driving often, being added to your parent’s policy as an occasional driver will cost less overall than if you take out your own policy. This may be a good idea to gain experience before buying a car or obtaining an independent policy. If you are added to your parents’ policy, your parents may want to increase the amount of liability coverage available in the event of an accident. Discounts may apply for having more than one vehicle on the policy. Discounts may also apply for having multiple car insurance policies in Edmonton with the same provider, such as home insurance or rental insurance and auto insurance.
- Don’t Drive When You Have a Viable Alternative
If you drive the vehicle to school, your rates will be higher. In addition to difficulty parking, consider if taking the bus or walking is a viable option instead. As a recreational driver, your rates will be less than if you use the vehicle for a daily commute. Drivers with a learners licence cannot drive between the hours of midnight and 5:00 a.m. so you will need to have another mode of transportation available to you. Also, remember that the less you drive, the less gas you pay, the better it is for the environment, and the lower your risk of a traffic ticket and accident. Using a bicycle in good weather can be a viable alternative to driving a car. Once you have a good insurance record for a few years, your premiums will be reduced.
- If You Buy a Car, Choose One That Costs Less to Insure
Before buying a new or used car, check the consumer reports for their safety record and reliability. Check the vehicle insurance rating and determine which vehicles offer the cheapest auto insurance rates. Usually four-door sedans are cheaper to insure, as they are less popular with thieves. A lower premium will also result if the car has approved safety features such as anti-lock brakes, air bags, a tracking system or a car alarm. A hybrid vehicle can also result in lower insurance as an incentive for fuel economy. The make and model of the vehicle will also affect your premium, with parts for imported vehicles typically costly more.
Get a Free Quote for Car Insurance in Edmonton
At MBS Insurance, our independent auto insurance brokers in Edmonton work with many companies in Alberta and will work to find you the best quote for your unique situation. We compare plans and will advise you of the discounts available.
Contact us today online a free auto insurance quote in Edmonton or at 780-436-7880.