Learning to drive is always exciting for the new driver, but for everyone else in the household, it can be a bit stressful. Once they pass drivers’ education, you’ll need to start thinking about adding them to your policy. While car insurance is required for every person who gets behind the wheel, the needs of individual drivers will vary, especially for teens and young adults who just received their driver’s license. The experienced agents at Action Auto Insurance Agency in New London, CT, want to help. They’ve put together a few things you need to keep in mind when purchasing insurance for an inexperienced driver.

3 Things to Consider About First-Time Driver Car Insurance

1. Comprehensive Coverage Is a Great Idea

Since first-time drivers lack experience behind the wheel, they’re far more likely to file a claim. Rather than restricting coverage options to basic liability and collision coverage, consider purchasing comprehensive coverage. This way, they’ll be protected no matter where they drive or what happens on the road.

2. Always Ask About Discounts

If you’re adding a policy to your existing coverage, you’ll want to ask your insurance agent about any discounts you might qualify for. Often, if you purchase additional policies from your insurance provider, you’ll be eligible for a multi-policy discount. Your new driver can help as well. If they’re doing well in school, they may qualify for a good-student discount, which will last as long as they maintain a GPA specified by the insurance provider. Keep in mind  that insurance providers rarely advertise discounts, so you’ll always want to ask before purchasing a policy.

3. Buy an Older Car

Although your new driver may want the car of their dreams for their first ride, it’s not always the practical choice. Instead of buying a new car, consider purchasing an older model. Older cars are more affordable to maintain and repair, and those savings are recognized by most insurance providers. They’ll typically offer a lower car insurance premium for an older vehicle than they would a new version of the same car.

If you’re looking for affordable car insurance providing the quality coverage you expect, contact Action Auto Insurance Agency today. The friendly, experienced agents will help you find the best coverage for your needs, whether you just learned how to drive or have been behind the wheel for decades. Learn more about their coverage options online, and call (860) 444-7224 to get your free car insurance quotes now.