CROGHAN | 9795A State Route 812 Croghan, NY 13327 | 315-346-6378

DEER RIVER | 3997 Deer River Road Deer River, NY 13627 | 315-493-2391

LOWVILLE | 7383 M. Utica Boulevard Lowville, NY 13367 | 315-376-2731

Built on Integrity Since 1950

Insurance Tips for New Drivers


You finally got your driver’s license that you’ve been waiting to get! Now you can go drive around town with your friends and go places you’ve never been. But there is one important thing you may not have thought about before now, and that’s car insurance. Here are some helpful tips to help you learn about auto insurance.

Understand Types of Coverage for Car Insurance
In most states, it is the law to have car insurance. Being a new driver generally means you will have higher rates than a more experienced driver because you are more likely to get into accidents. Before you determine your coverage, it’s important to consider the different types of insurance that works best for you.

  • Liability coverage helps cover damages for injuries and property to both you and the others involved when you become responsible for the accident.
  • Collision insurance covers damages, repairs or replacement of your vehicle that involves another car or object. 
  • Comprehensive insurance helps pay for damages to your car that involves incidents including Fire, vandalism, weather, and accidents with animals. 
  • Uninsured and underinsured motorist insurance protects you and your car in the event of a hit-and-run or an accident involved with an uninsured or underinsured driver.
  • Other coverage includes personal injury, towing, roadside assistance, medical, no-fault, and rental car insurance. With many options for coverage, it’s important to understand what each type of insurance covers and make sure it fits your needs.

Now you can determine the type of coverage you need for you and your vehicle. Each state has its minimums you have to follow but also you need to determine if you need more insurance on top of that. Talk with your auto insurance company to determine what coverage best suits your needs.

Cut Down Costs
After determining your coverage, there are ways to save money on your rates. Any insurance policy comes with a deductible which is the amount you pay out-of-pocket before the insurance will pay. Some will have higher or lower deductibles. If you choose to have a higher deductible, your premiums will be lower but your coverage will be smaller. So how do you lower the cost of insurance premiums for new drivers?

  • Keep the police on your good side.  Distracted driving and other traffic violations will surcharge your policy premiums.  You want to look like a best in class driver so Insurance companies WANT  to insure you. 
  • Inquire about discounts. Oftentimes insurance companies will give discounts to teenagers with good grades, clean driving records, who take driver-safety programs, or read a driver-safety book and take a test. Ask your insurance company to give you a list of all the discount options they offer and how they can qualify for them.
  • let us shop around for you. While working with Foy Agency Insurance, you can get a quote fast and easy to determine the cost of auto insurance and ways you can save on your premiums. You can call us at 800-493-2391 or visit to get started today.
  • Bundle your insurance policies. Typically, you’ll get a break on your auto and homeowner insurance if you keep both policies with the same company.

You don’t want to reduce your premiums by skimping on liability coverage. Adding car insurance for young drivers can be costly but there are ways to reduce your costs. From getting good grades to maintaining a clean driving record, there are ways to make coverage affordable and not put a hole in your pocket. The Foy Agency Insurance is a property & casualty insurance agency that uses a professional, friendly, knowledgeable staff committed to providing clients with cost-effective insurance protection throughout New York State. Contact us today to get started!