When the time comes that your child is taking a seat behind the wheel, several components require attention. From driving school enrollment to choosing a safe car, the tasks are plentiful and often paired with high emotions. At Brownell Insurance Center, we understand that this life-changing event can sometimes call for a bit of expertise and TLC. That’s why you should consider our NH auto insurance.
Insuring new drivers is not cheap. There is no way around this simple fact. However, with the following tips in your pocket, you can be confident that you are paying the best price for the precise coverage your child needs!
1. Consider Sharing a Policy
One of the oldest and most well-known ways to save on NH auto insurance with new drivers is to keep the child on the parent’s policy. Don’t get us wrong; we didn’t say it would be cheap – just cheaper. Rates will differ between policies, but this tip is one that could save you hundreds of dollars each year.
2. The Vehicle Driven Makes a Difference
On the flip side, most people are not aware that what the child drives makes a difference in the overall insurance cost. For example, if your child is fortunate enough to score a bright red sports car, you can expect to pay more than the new driver who is a white vehicle with higher safety ratings.
Likewise, older and cheaper vehicles don’t necessarily mean cheaper insurance. In reality, these are the vehicles that are more apt to break down and sustain significant damage in an accident. You are better off focusing on safety ratings when it comes to selecting the best, most affordable vehicle for your child.
3. Ask for Discounts!
While it may seem odd to ask your insurance company for a discount on a new driver, it is certainly worth the extra minute. In many cases, insurance providers offer discounts for many different situations, but only if you ask. Below are a few of the most common reasons that you may receive a cheaper rate:
- Completion of a defensive driving course,
- Good grades in school,
- Military discounts,
- Speed monitoring device use
- And so on.
4. Explore the Options
Depending on the state and insurance company, there are generally several policies available. Be sure to take the time to speak with your trusted agent, understand the options available to you, and consider what coverage is needed for your child. Over-insuring your driver simply means that you will also be paying more out of pocket.
When it comes to selecting the appropriate NH auto insurance for your new driver, let the team at Brownell Insurance Center help. We understand that selecting the right type and amount of coverage can be confusing and time-consuming. Our agents are here to help you in understanding what type and how much coverage your family needs.
Please contact our office today by calling 603-437-1992 to receive your FREE NH auto insurance quote and consultation! We look forward to working with you!