Let's be honest -- high-risk driving is a term that nobody wants to be associated with. The truth, however, is that some people can't help it, regardless of whether or not they actually partake in dangerous driving habits.
As a new driver, you may wondering (and rightly so) whether or not you are considered a high-risk driver in Calgary because you lack the experience that most drivers have. Unfortunately, you are. Both young drivers and first-time drivers, no matter how old they may be, are considered high-risk drivers by most insurance companies in Calgary.
But here's the thing -- it's not a lifelong sentence. Sure, it might be disheartening to hear this, especially if you had no idea that you would end up paying higher premiums as a result, but you have to remember that keeping a clean driving record for the next two years or so can and will go a long way.
Further to that, there exist numerous ways for you to enjoy lower monthly premiums. This is something that most people (not just high-risk drivers) fail to realize. With a bit of planning ahead, it is very possible to save on insurance premiums each month.
Here are a few ways for you to do that:
- Make sure that your car is secure. You might be surprise at how much money installing a simple security system may save you each month!
- Bundle up your insurance policies. Here's a little known fact -- insurance companies in Calgary love giving discounts to customers who purchase several policies for them.
- Brush up on your driving skills. Here's another little known fact -- enrolling in (and passing) a driving course can make your monthly premiums less expensive. Just make sure that the course is approved by your insurance company, though.
- Raise your deductible. The lower your deductible is, the more money you have to spend on monthly premiums... and vice versa.