New Driver Auto Insurance - 3 Secrets to Lowering Your Premiums The one desire all golfers have would be to hit their drives long and straight. Unfortunately for most amateur golfers by doing this easier said than done. For many the perfect solution is always to obtain a a couple of hundred dollar driver each year assured that it will help look into their wayward golf shots. If you want to drive your vehicle on a public road then you have to stay in possession of a present insurance certificate. But how much can it cost; well that actually is dependent upon the risk which you pose in your insurers. There is therefore an incentive to secure perfect insurance terms. One first step which you can take to lessen the risks for your insurers would be to lessen your yearly mileage to under the average yearly mileage. If you do this, you would have grown to be a much better risk and thus you insurers will provide you with a rebate on your insurance charges. Vehicle Size - Many parents believe the larger the vehicle the greater but, according to the experts, that isnt always true. Large vehicles definitely come with an edge on an inferior car inside a crash however, not every crash involves two vehicles. Many teen crashes are single vehicle crashes resulting inside a collision which has a stationary object or perhaps a roll-over. Parents have to consider crash worthiness and occupant protection in choosing a good car. SUVs would definitely offer an advantage in the crash with an inferior vehicle but, due to their high center of gravity, they have a tendency to roll over every time a driver tries to swerve or if a tire blows out. Older SUVs have a very poor survival rate as the vehicles roofs were weak and couldnt support the weight from the vehicle in a roll-over crash. Pickup trucks sometimes perform poorly in protecting vehicle occupants when theyre struck in the door area. Small, fuel efficient cars, sometimes called micro-minis offer almost no protection to the vehicle occupants in a very crash. Safety experts suggest a mid to large size sedan weighing 3,000 pounds or higher. There are actions that may bring your insurance fees down even for an (view source) adolescent or somebody that just received their license. Keeping up your grades reduces insurance fees. So encourage your son or daughter to keep a high grade point average. Supplying your son or daughter with a sturdy, safe car instead of a flashy one-or moreover, one thats for the most stolen list-will drop your costs too. And, needless to say, encourage your kids to always drive in the speed limit or below and to be extra careful. The longer a driver fits no accidents on the record, greater their insurance rates drop. If youre constantly getting stumped youll need for reasonable motorist car insurance, you may want to consider naming a seasoned driver with a driving history as the policy owner while putting yourself up at a named, secondary driver. However, secondary drivers arent entitled to build-up their no-claims bonus, and annual insurance charges wont see a significant decrease. While you can to find an insurer which offers no-claims bonuses to second named drivers, this practice is considered illegal in some areas and is also known as auto insurance fronting. However, naming a skilled driver with a reputation as a second driver may help reduce premiums.