How To Get The Best Auto Insurance Policies & Rates

There are a number of factors that go into setting auto insurance premiums for any one. Getting the cheapest auto insurance in California or elsewhere will involve some research on your part and perhaps some planning to make sure you are getting the best rates possible. Where you live, how many miles you drive, whether you are a student or driving to work, what kind of coverage and whether or not you have a garage all go into what your premium is going to be.

If you are going to have a new driver in the family soon you will want to plan for the time that they will be getting their full driver?s license. The nice thing is that most insurance companies do not require you to add the new driver to your insurance while they only have their learning permit. Most states have gone to restricted hours for learning drivers as well which has reduced the number of accidents and deaths in the beginning age groups.

Luckily having a new driver is something you can plan for over time. Because collision and comprehensive insurance are options that actually make up nearly two thirds of your entire auto insurance premium if you can purchase or provide a car that you own outright for the new driver then you can keep only liability insurance on the vehicle to keep your premiums down. Other ways to keep your premiums down are to look at other companies that only go back three years for traffic citations and accidents versus five years. That way if you have older traffic violations or accidents then they will not affect your insurance premium.

Different states require different minimums for liability insurance and by going with the state minimum you will get the cheapest premium for whatever car you are insuring, but you need to keep in mind that some of the state minimums will not protect you from lawsuits that may exceed the state minimum in damages. Newer state regulations restricting the ability of new drivers to drive only with an adult relative or another adult over the age of twenty one has reduced the distractions that cause most of the accidents young drivers are involved in.

States have increased the number of hours driven for new drivers to get their unrestricted license and insurance companies are offering bigger discounts for completing state approved driver?s training courses. Make sure your young driver has completed their driver?s training course before adding them to your insurance. Another way to get the cheapest auto insurance is to get a four door vehicle that has an active alarm system and that you do not have any kind of loan on. A four cylinder engine is best for beginning vehicles as the horsepower rating will not be high enough to encourage speeding.

Make sure you avoid all traffic violations and accidents while making sure your new driver gets good grades. Many insurance companies offer a good student discount of almost ten percent for maintaining a ?B? average or better.