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Useful Tips for Insuring New Drivers

Updated: Nov 7, 2022

miniature car under a roof made out of hands

Throughout 2020 there were over 100,000 car accidents in Canada that resulted in some level of injury - that’s close to 300 a day! With statistics like that in mind, it’s easy to see the importance of having the right insurance, especially for a new driver. Making sure your teen has the right coverage can be complicated, though. So we’re here to make it easier! Keep reading for some useful tips about young driver auto insurance in St. Albert.

Pick the Right Type of Coverage There are several types of car insurance, and one of the first steps in getting auto insurance in St. Albert for a new driver is to have an idea of what’s available. Liability Coverage If you’re insuring a new driver, it is essential that you have liability coverage - in fact, it’s the law! Liability coverage protects you against paying out of pocket for bodily injuries and property damage to the other party if you’re at fault in a collision. Collision Coverage Policy Similar to liability coverage, collision coverage will pay for repairs in the case of an accident. The difference is that this coverage pays for repairs to your own vehicle. Comprehensive Coverage This coverage’s name is a little misleading as it won’t cover everything that could happen to your car. But it will cover things like fire, theft or vandalism! Send Your Teen to Driving Class Though it’s not required for new drivers, it’s a great idea to have them take a driving course! Not only will completing a driving course result in your teen being a safer driver, but many insurance providers offer significant discounts for doing so. Consider the Car You’re Insuring A pretty large factor in coverage options and cost is the type of car you’re insuring. A new driver may be excited about the idea of getting a flashy sports car or something they can off-road in, but that will lead to higher insurance costs too. When choosing the right car for a new driver, it may be best to equip them with a compact SUV or a sedan with high safety ratings, as those will be less costly to insure. Check for Discount Eligibility Lower rates for driver training aren’t the only discounts offered by insurance providers. Stacking your home or renter insurance with your car insurance policy will get you discounts. Besides the multi-policy discount, student discounts and good credit discounts might be available to you: don’t hesitate to ask your insurance broker about them, our goal is to get you the best rate for your needs! You’re Ready to Buy Auto Insurance in St. Albert It’s time to take the knowledge you’ve gained and put it to work! Buying auto insurance in St. Albert for a new driver doesn’t have to be difficult. If you’re still unsure of the best coverage for you or your young adult, get in touch with us at Grandin Agencies! We’d be happy to help you make the right choice.


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