Cheap Car Insurance For New Drivers - What NOT to Do

Every teenager who reaches the driving age dreams of roaring up to school in a shiny new sports car. Unfortunately, those same teens rarely think of the costs associated with making that dream a reality. Buying such a car is only the beginning, too. Insuring a new driver is a big financial burden, and the choice of car has a major impact on how much you will pay.

As a simple rule of thumb, if a car can be described as "high performance," you want to stay away from it. That is if you are concerned with actually finding cheap car insurance for new drivers. The reason you want to avoid such vehicles is because car insurance companies know they are more likely to be driven in a reckless manner, and therefore involved in more traffic accidents. These types of cars are also stolen far more often.

If you want to pay less for insurance, consider an older or heavier car with good safety ratings. But beware, just because a car model is older or has good safety ratings doesn't mean you willpay less on insurance. You really need to check car theft statistics for your area and make sure you are not buying a car that is targeted often. And even when you do find a model that is not stolen very often, still make sure it comes with anti-theft features.

Don't get carried away with size or age. A lot of parents will buy their teenage driver large cars, believing they are safer and incur lower insurance costs. But it's actually the weight of the car that matters. You will pay more for a car with a fiberglass body, regardless of size, than for even a smaller car with a metal body.

Also beware of getting too old of a vehicle. Going used is a good idea, as the car will be less likely to be stolen, but going too old will lower safety ratings. Older cars were less likely to have airbags and other safety features that today are standard.

In short, if you want cheap car insurance for your new driver, don't just buy any car and then look for deals. You need to be deliberate in your selection of vehicle. Too new means it is a theft risk. Too fast means it is an accident risk. Too old means it is a safety risk. Find that middle ground and buy accordingly, and you will be rewarded with significantly cheaper insurance premiums.