A New Drivers Insurance If you just purchased a car, and youre now considering getting new motor insurance, remember that your gender and age will affect the rate of your insurance. Auto insurers tend to classify males under 25 to be in a high risk group. High risk drivers are those who will be frequently linked to road accidents and damages. Thus, they create up the majority of the figures inside the statistics of motor vehicle collisions and damages. Young drivers are less experienced than older drivers, hence the underdeveloped sensory-motor response mechanism and reflexes. Tip 1: Take a Defensive Driving Course Sometimes developing a drivers license just isnt enough and youll save big if you take a defensive driving course. Once it is completed, youll receive a piece of paper which youll give any potential insurer and work out a reduction. Passing this type of course shows insurers that you simply one have initiative and a couple, are competent after dark minimum levels to be a road user. Youll almost certainly get a rebate for doing this. Vehicle Size - Many parents think the larger the vehicle the greater but, according to the experts, that is not always true. Large vehicles definitely offer an edge on an inferior car in a very crash however, not every crash involves two vehicles. Many teen crashes are single vehicle crashes resulting in a very collision with a stationary object or perhaps a roll-over. Parents need to consider crash worthiness and occupant protection when scouting for a safe car. SUVs would definitely have an advantage in a crash with an inferior vehicle but, because of the high center of gravity, they tend to rollover when a driver attempts to swerve or if a tire blows out. Older SUVs use a poor survival rate as the vehicles roofs were weak and couldnt keep the weight in the vehicle in the roll-over crash. Pickup trucks sometimes perform poorly in protecting vehicle occupants if theyre struck in the door area. Small, fuel efficient cars, often referred to as micro-minis offer almost no protection to the vehicle occupants inside a crash. Safety experts suggest a mid to large size sedan weighing 3,000 pounds or higher. For individuals looking for cheap taxi driver automobile insurance, its really worth the time for it to take such driving courses since it provides driver the opportunity to test themselves further against diverse driving conditions, like night driving, driving in bad weather along with driving on different varieties of motorways, along with gain more driving experience. It also helps if your motorist were to enquire at different automobile insurance agencies while looking for a plan. Premiums usually decrease every year, however it doesnt hurt to obtain a cheaper one right from the start. What a new driver should do is compare premiums from different agencies before buying a certain one. Other areas of an vehicle insurance policy to think about are its benefits and payments involved. car insurance new drivers Premiums comparisons can easily be carried out online, but calling insurers may also be rewarding.