5 Tips for Applying For Auto Insurance as a New Driver

mercedes benz parked in a row


The auto insurance industry is a multi-billion dollar business, and it’s constantly changing. New regulations and laws are being put into place all the time, so it can be hard to keep up with everything. Says Dj Bettencourt ,as a new driver, you might be worried about applying for auto insurance, especially if your budget is tight. If you have never had to apply for car insurance before, here are some tips to help make your application process easier:

Be ready with the proper documents

It’s important to be prepared with the proper documents when applying for auto insurance as a new driver. Most companies will ask you to provide proof of your identity, such as a copy of your driver’s license or birth certificate, as well as proof of residency and vehicle ownership. Some may also require you to bring in copies of other documents such as social security cards or current utility bills in order to verify information on applications.

Take advantage of student discounts

  • Take advantage of student discounts.
  • Student auto insurance can be one of your best options for saving money on your car insurance policy. In fact, if you’re a full-time student at an accredited college or university and meet certain criteria, you may be able to get up to 5 percent off your premium by combining a student discount with other available discounts. The only catch is that you’ll need proof of enrollment status in order for the discount to apply–so keep that in mind when applying!

Don’t be fooled by “discounts” such as multiple policy discounts.

Don’t be fooled by “discounts” such as multiple policy discounts. These are often advertised as a great way to save money, but they’re only good for some drivers and not others. For example, if you have two cars but you only use one at a time, you could get a discount on your second auto policy if it’s with the same company that provides your homeowners insurance. However, if you don’t use both cars regularly or even at all (for example, if one of them is an old clunker parked in the driveway), then this discount won’t matter for saving money on coverage costs because it won’t apply to your primary vehicle.

Be honest in your answers.

When you are applying for auto insurance, it is important to be honest in your answers. This means don’t lie about your driving record, credit score or age if you have a clean one. It also means don’t lie about where you live and what type of vehicle you drive.

These answers will help determine if an insurance company will give you their best rates on auto insurance coverage. If they find out that something was not accurate or true, it could cause them to cancel the policy or drop them from coverage altogether!

Know your coverage needs.

It is important that you understand what coverage you need and how much of it your budget can afford. It’s tempting to focus on the premium when shopping for car insurance, but know that there are many factors which go into determining your rates. If you’re looking for a new auto insurance policy, ask about all the different types of coverages and discounts available in your area before making a decision.

When weighing options, don’t be afraid to ask questions! Always make sure that you’re getting all the information available about coverage details, discounts and rates so that you can make an informed decision about what type of coverage best suits your needs. Don’t forget: read the fine print!


Auto insurance is a great way to protect yourself, your family and your car. As a new driver, it’s important to understand all the options available and make sure you get the right coverage for your unique needs.

Like this article?

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest