Calgary Car Insurance Insurance For Young Drivers

At Lane's Insurance, we have access to several insurance providers and find you the best Calgary car insurance rateseven for a young driver!

To protect themselves from potential losses, insurance companies typically calculate rates based on categories of risk, and new drivers fall into high-risk categories. Statistically, accidents among young drivers are high, and since new drivers have no record showing they drive safely, they pay higher insurance rates. This makes maintaining a clean driving record essential, right from the beginning.

Maintaining a Clean Driving Record

New drivers are establishing a record insurance companies will use to calculate their Calgary car insurance rates in the future. To establish a good driving record:

1. Remain alcohol-free when driving

2. Avoid your cell phone (remember it's illegal to drive while using a cellphone in Alberta!)

3. Always use turn signals

4. Obey the speed limit

5. Approach intersections with caution

Never Drive While Impaired

Alcohol related crashes are common among young drivers, and can result in serious injury accidents, and even death. Driving after consuming alcohol is a serious offense that stays on record for several years. Avoid drinking and driving at all costs!

Avoiding Distractions

Develop good habits now, because they'll become automatic in the future. Have a safe routine for whenever you get into a vehicle:

1. Check and adjust mirrors

2. Ensure windows are clean and free of obstructions

3. Turn cellphone off (and put it away)

4. Fasten seat belts

If you must check or use your cellphone, find a safe place to pull over before you even take it out!

Negotiating Turns

Many rear-end collisions occur when drivers following too close get distracted, and turn signals are the only way to tell other drivers your intentions.

1. Turn on your signal at least 50 yards before a turn

2. Check traffic in both directions

3. Check your rearview mirror

If you notice a driver following too closely, it's better to turn around than have an accident!

Speed Limits

Every sign on the road has a purpose, and it's important to obey them all. Speeding is not only dangerous; tickets result in several points against your driving record.

Intersections

Even one accident can affect your Calgary car insurance rates, so approach intersections with caution. They are the scene of a frequent accidents. Remember you never have the right-of-way when making a left turn.

Calgary Car Insurance Rates After the Age of 25

As you gain experience, you are statistically less likely to be involved in a collision, and most insurance companies will place you in a lower risk category. Once you reach the age of 25 and proven you drive safely, most insurance companies will lower your Calgary car insurance rates.

Lane's Insurance: Calgary Car Insurance for Young Drivers

The good news is that you might not need to wait until you're 25 years old to get a lower rate. While eligibility varies and is based on personal circumstances, some insurance companies offer young drivers a discount for:

1. Completing a driver-training course (ask your broker which courses are approved)

2. Maintaining a 3.0 Grade-Point Average ("B" average)

At Lane's Insurance, we get young drivers covered at the lowest possible rates - with or without a discount. Please Contact Us if you have any questions or request a free online Calgary Car Insurance Quote today!