How can I find cheap car insurance quotes for new drivers in New York?

New drivers who have just passed their driving test are typically subject to higher premiums due to their lack of driving experience and because statistically they tend to cause more road accidents than motorists with considerable history behind the wheel.

This is especially true of New York drivers who face some of the highest automobile insurance premiums in the country, with the average annual car insurance rates for the first six months of 2009 coming up to $2,457. In comparison, the national average is around $1,800.

And since it is a well-known fact that auto insurance prices are based on actuarial statistics, you can judge about the high number of accidents and negligent drivers on the roads of New York. A recent survey has found that New Yorkers are the least knowledgeable drivers in the country when it comes to road rules, with a mere 61 percent of them being able to pass a written road rules exam.

Finding Cheap Car Insurance Quotes in New York Against All Odds

It might be extremely difficult to find a cheap car insurance quote for new drivers in New York but there are some tips that can help you find the most reasonable deal that will also provide good protection.

• As a rule of thumb, every new driver in New York should shop around. Get an instant New York car insurance quote and compare the offers you receive from every company. Not that some insurers might consider you a high-risk driver and therefore offer you exorbitant rates. If so, continue your search.
• Apart from using the Internet, maybe it is worth contacting an auto insurance agent since being a new driver is considered by some insurers a high-risk condition. A certified insurance agent will attend to your specific situation and help you find a reasonable deal.
• One specific thing you can do in the state of New York in order to qualify for a cheaper car insurance quote is complete a defensive driving course online. You can get a minimum 10 per cent discount on your auto insurance. This privilege is reserved for New York drivers and is especially useful for lowering the premiums of new inexperienced drivers.

• Should I buy rental collision damage waiver if I already have auto insurance?
• Does my auto policy offer an uninsured motorist property damage coverage?
• Why is sport bike insurance so expensive?
• What does Part B auto coverage stand for?
• Shall I buy full tort or limited tort auto insurance?