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Insurers treat experienced drivers and new drivers differently. Experienced drivers will have low premiums which new drivers will have outrageously high insurance premium rates. Why so? Are there specific reasons for this? Definitely there are! Historical data show that new drivers are responsible for more accidents compared to experienced drivers. It is because of this, the risk for new drivers' car insurance is more than that of experienced drivers. Let us find out why the new drivers are more prone to accidents.

- New drivers are inexperienced and hence, they are involved in accidents more frequently than the experienced drivers. It is because of this reason, the insurers charge high premium as a cover for the risk that they take by insuring the new drivers.

- The new and young drivers love to speed through the roads and because of this reckless driving the probability of accidents increases. This is why the premium charged new drivers' car insurance is high.

However, the good thing is that even though the insurance premiums for new drivers' car insurance are high, it never means that the new drivers cannot obtain insurance policies with low premiums. Here are some tips which can actually help to reduce the premium amount by certain extent:

- Good students' discount: The insurers often provide discounts on premium rates for students who perform well in schools. It is because of this, if the new driver is a teen and a good student, he or she can get some discount. It is better to ask the insurer about such provisions.

- Selecting the right car: It is true that the new drivers will certainly like to have high performance cars or cars which are luxurious or sports cars. These cars have high premium rates and hence, new drivers must try to avoid those cars. There are cars which have high safety features but fall in low price bucket. It is good to go for those cars because they will have low premium rates for new drivers' car insurance.

- Safety features of the car: New drivers must ensure that there are ample safety features in the car. The greater the number of safety features, the better it is because greater number of safety features will actually reduce the risk of accidents as well as theft. Some of the generic safety features are air bags, central locking system, ABS brakes, parking sensor, proximity sensor, anti-theft devices etc.

- Clean records and better driving: There are several training courses, both traditional and online which teach the students how to drive responsibly. This is very essential because of the fact that these drivers' lessons can help a lot to understand how to drive properly. There are defensive driving courses which when completed by the students before actual on-road driving will help to get major discounts on new drivers' car insurance premiums.

Following these simple tips can help new drivers to get lower premiums on new drivers' car insurance premiums.