Reviews.com states that Nationwide, Allstate and Progressive are all major auto insurance providers that offer discounts and accident forgiveness for drivers, which also saves money. Types of discounts that might apply in the case of a beginning driver include prepayment, good student, family and good-driver discounts.
New drivers are likely to still pay more than experienced drivers, but with a good driving record and other variables, such as a safe car and good grades, a beginning driver can find a fair deal, notes Reviews.com. Continued good driving should mean lower rates before long. As of 2015, Nationwide offers a total of nine discounts, Allstate offers 13 different discounts, and Progressive leads the way with 14 discounts.
To determine which discounts apply to a new driver, the driver or his parents need to supply personal information, including age, driver's education certification or proof of another driving course, proof of grades, and the type of vehicle the new driver wishes to insure, says DMV.org. The new driver's parents need to supply their insurance information if they are adding him to an existing policy. Contacting insurance providers and comparing discounts and rates is the best approach to choosing a policy for a new driver.