PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How do I reduce car insurance rates for a first-time driver?
My daughter is a first-time driver and I need to get insurance for her. How do I find the cheapest insurance?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s great that your daughter’s getting out on the road! But understandably, there are a lot of costs and anxieties associated with insuring first-time drivers.
One way to reduce car insurance rates for new drivers is to get her
the right car
. Generally speaking, the safer the car, the lower the premium. (And the calmer your nerves when you watch her drive away.)Keep in mind that safer does not mean newer!
Collision coverage
and comprehensive coverage
can be the most expensive parts of a policy when it comes to young drivers. So the cheapest car to insure for your daughter is one that does not require these forms of insurance.If you have an older car, consider dropping collision and comprehensive coverage completely and assigning your daughter as the driver of that vehicle. Older cars are often not worth the premiums associated with collision and comprehensive coverage. That’s because even if you totaled an old vehicle, you likely wouldn’t get your money’s worth from the insurance payout. (To be sure, you can check Kelley Blue Book to get an estimation of your car’s value.)
If the vehicle your daughter will be driving does in fact necessitate those types of expensive coverage, raising your deductibles to $1,000 or above can lower your premiums. However, a high deductible can lead to high costs if your daughter gets into an accident, so make sure you’re
choosing the deductible
that’s right for you.Lastly, ask your provider about potential discounts. If your daughter is a straight-A student, she might be eligible for a good student discount. Many insurance agencies will lower premiums for students with a grade point average of 3.0 or higher.
Here are some other discounts to look into:
If you’re still not sure which policy is right for you, the
Jerry
app can be really helpful. Jerry will do the heavy lifting for you by collecting and comparing quotes from over 50 top insurance companies—for free—saving you time and money as you get your daughter out there on the road.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
