How Long Are You Considered As A New Driver? How Long Does An Accident Stay On Your Insurance?

How Long Are You Considered As A New Driver?

Different formulas are used by insurance savvies for defining “new drivers.” To some car insurance companies, every driver is considered “new” until they have had three years’ experience of driving on the road, while for others it can take up to five or even nine years to scale out from the new drivers tag. This means that it takes quit number of years not to be considered as a new driver.

In some cases, some carriers won’t even look at the date that you were first issued with a licensed, instead they will use your age as the only determining factor to know if you are a new driver or not. If this is the case, then it means that you are deemed an inexperienced or a “new driver” until you get to age 25.

How Long Does An Accident Stay On Your Insurance?

Basically, an insurance company will charge you more money after an accident for three years after the date of the incident. The State laws vary, however, on this particular issue, so many cases; it can even be as long as five or seven years before the price falls. Usually major infractions, like a DUI, will remains on your driving report longer than a fender bender.

If your rates are too high due to the fact that you fall in within the new driver category that has been in an accident or convicted of DUI, then you need to know how high-risk drivers can get lower car insurance rates from their auto insurance providers.  You can read this article about tips on how to save money on car insurance with reduced risk.

You also get to pay higher premium if your age is used as a determining a factor for your insurance, since young people fall in within the high Risk drivers


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