New Driver in California Seeking Insurance Advice
Hi everyone! I just got my driver’s license in the U.S. and now I need to find auto insurance before I hit the road. My partner, who’s been driving since they were 18 (now 27), currently pays about $200 a month for their insurance. I’m 33 with less than a year of driving experience. We both rely on walking or public transportation for work, only driving on weekends or for errands.
I’ve received online quotes ranging from $600 to $700 a month for both of us, which seems quite high but makes sense given my new driver status. I just want to know if this estimate is reasonable or if I should expect a significant difference.
Any insights or advice would be greatly appreciated as I navigate this as a newcomer! Thank you!
Welcome to the world of driving! It’s great that you’re getting your license and looking to understand your insurance options.
Insurance rates can vary widely based on several factors, including your driving history, location, and the type of coverage you choose. As a new driver, you’re typically looking at higher premiums, especially in California.
Given that your partner has a good driving history, you might see some discounts for being on the same policy. However, it’s very common for new drivers to face higher rates, so the quotes you received between $600-700/month aren’t too far from what many people might expect, especially if you’re looking at comprehensive coverage.
To potentially lower your premium, you can consider the following options:
1. Look for discounts: Many insurance companies offer discounts for good students, safe driving courses, and bundling policies.
2. Adjust coverage: You might opt for a higher deductible or less coverage if you’re driving less frequently, but be sure to be comfortable with the level of risk.
3. Shop around: Don’t hesitate to compare quotes from different insurers, as rates can vary significantly.
4. Consider usage-based insurance: Some companies offer programs that track your driving and can adjust your rates based on how safely you drive.
It’s always a good idea to call your current insurer to see what they can offer you or ask for recommendations from friends or family. Best of luck, and safe driving!