As a new driver, dealing with insurance policies is probably the last thing that you want to do. Unfortunately, under Canadian laws you are required to purchase a car insurance policy before hitting the road. But as is often the case with insurance coverage, this can be easier said than done.
If you are a new driver currently living in Lethbridge, Alberta, then you're probably wondering how much money you have to spend on insurance coverage. In this post, we'll try our best to explain what exactly you can expect in terms of insurance rates as a new driver and how long those rates will take to change. Because as you know by now, new drivers in Lethbridge are required to pay higher premiums.
Unfortunately, there is nothing that you can do to change this. You might think it's unfair -- especially since you have never been in an accident or been ticketed -- but the rules apply to everyone. Why that is the case is simple: Insurance companies see you as a bigger risk. In other words, because you lack experience, you are more prone to causing accidents and filing a claim than other, more experienced drivers are. (According to them.)
Of course, it's not a life-long sentence. Just like high-risk drivers can and do get better rates on a regular basis, if you manage to keep a clean driving record for the next two years or so, it should only be a matter of time before you are able to enjoy regular rates as well.
Until then, focus on driving safely and bettering your driving technique and before you know it two years will have passed. :-)