How To Get Cheap Performance Car Insurance No matter how experienced you might be at driving accidents happen but new drivers are 4 times prone to have an accident than experienced drivers. Inexperienced drivers are more prone to make mistakes and 70% of accidents that lead to injury, death and/or property damage are caused by human error. While higher insurance fees are generally charged for the drivers first licensed year, with premiums in subsequent years becoming significantly lower, the high cost of obtaining initial automobile insurance could possibly be discouraging. Shopping around for insurance policies is one of the first things a newly licensed driver have to do. Premiums could be greater than that which you expect, but at the very least you can actually identify greater wallet-friendly policies. Its easy to obtain quotes online, which also saves time. You might provisional driver insurance also be pleased too by premiums quoted for you in the event you call insurers directly. This depends to your large extent on the individual auto insurance provider. For example, a few will take into account the ages of the newest driver. This means that someone within their 30s could be offered cheaper automobile insurance than someone in the same way road conscious within their late teens. Gender is additionally often considered - as the male is statistically more likely to cause a traffic accident than females. The type of car being driven by the modern driver can be a big factor. Those who tend to drive powerful cars with large engine capacities are quoted higher insurance prices than these who own a great little run around car. There are actions you can take that will bring your rates down even for a teenager or somebody that just received their license. Keeping up your grades reduces rates. So encourage your kids to keep a top grade point average. Supplying your child having a sturdy, safe car in place of a flashy one-or moreover, one that is for the most stolen list-will drop your costs at the same time. And, naturally, encourage your child to always drive on the speed limit or below and also to be extra careful. The longer a driver fits no accidents on the record, the more their insurance charges drop. 4. Texting and talking on the phone are major distractions. Insist all cell phones be deterred while driving. The temptation to "just see who is calling" is simply too great, as well as glancing right down to read the call display has a drivers attention off the road. Check with your cellular phone provider, there are applications that can be downloaded with a cellular phones that detect motion and automatically tells all incoming texts and calls that the driver is unavailable.