{"id":8670,"date":"2020-08-06T16:24:59","date_gmt":"2020-08-06T16:24:59","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/08\/06\/students-and-graduates-making-smarter-choices-for-your-car-insurance\/"},"modified":"2025-09-19T15:28:06","modified_gmt":"2025-09-19T19:28:06","slug":"new-drivers-making-smarter-choices-for-your-car-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/new-drivers-making-smarter-choices-for-your-car-insurance","title":{"rendered":"New Drivers: Making Smarter Choices for Your Car Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">New Drivers: Making Smarter Choices for Your Car Insurance<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2020-08-06T16:24:59-04:00\">August 6, 2020<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">4 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Maxine Betteridge-Moes\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Maxine Betteridge-Moes<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/young-driver_Thumbnail-default_402x.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two young women driving in a car\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/young-driver_Thumbnail-default_402x.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/young-driver_Thumbnail-default_402x.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/young-driver_Thumbnail-default_402x.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/young-driver_Thumbnail-default_402x.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=New Drivers: Making Smarter Choices for Your Car Insurance &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/new-drivers-making-smarter-choices-for-your-car-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/new-drivers-making-smarter-choices-for-your-car-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What the Experts Say<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-the-experts-say\">What the Experts Say<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-choosing-the-right-coverage-for-you\">Choosing the Right Coverage for You<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Meghan Parkinson bought her first car right after she graduated from college. It was a hefty purchase, but one that allowed her more independence to get to work, run errands and anything else that came up. At the time, Meghan (now 24) was feeling the post-grad financial burden in more ways than one. Student loans, rent and groceries were her biggest expenses, not to mention additional costs such as her cell phone plan and TV subscriptions.<\/p>\n<p>\u201cWhen I bought my car, I was pretty much drained money-wise,&#8221; she says, adding that she paid for the car outright, thanks to savings from various part-time jobs. Meghan says, while buying a car might feel like a glamorous purchase, the insurance that comes with it is anything but. Still, she knew it was important to find coverage that worked for her.<\/p>\n<h4 id=\"h-what-the-experts-say\">What the Experts Say<\/h4>\n<p>\u201cI think I put in a lot more time researching car insurance than most people my age,&#8221; she said. \u201cI researched insurance companies online and I talked to them on the phone. My main concern was which company was going to have the best deal for the most coverage options.&#8221;<\/p>\n<p>Many young drivers are added to their parents&#8217; car insurance policy as a &#8220;secondary&#8221; or &#8220;occasional&#8221; driver when they first get their license. Adam Mamdani, Vice President of Field Sales at RBC Insurance, says it&#8217;s helpful to begin building a track record as early as possible, and this is a good way to do so.<\/p>\n<p>\u201cIf you are insured on your parents&#8217; policy as an occasional driver, you can save money, you&#8217;ll gain experience and you&#8217;ll build a history,&#8221; he says. \u201cBut when you&#8217;re ready to buy your own car, your insurance will most likely look different because you don&#8217;t have the same years of experience that your parents had.&#8221;<\/p>\n<p>It&#8217;s important to understand some of the factors that go into determining your car insurance premium, and your driving record is one of them. Mamdani says insurance companies will quote a price based on factors such as but not limited to your driving record, type of vehicle and gaps in insurance coverage.<\/p>\n<p>Sometimes your gut instinct is to be removed from your parents&#8217; policy when you&#8217;re away at school so that you don&#8217;t have to pitch in any extra money. It can save you more money in the long run by staying on and having continuous years of driving experience. You&#8217;ll appreciate this when it&#8217;s time for you to get your own policy.<\/p>\n<h4 id=\"h-choosing-the-right-coverage-for-you\">Choosing the Right Coverage for You<\/h4>\n<p>Meghan opted for an insurance plan with &#8220;all-in&#8221; coverage, which includes collision and comprehensive coverage. Collision protects her car if it&#8217;s damaged in an accident, and comprehensive provides coverage against incidents such as theft, vandalism, weather damage and more. Her policy also includes accident forgiveness, which means her driving record will be protected if she had an at-fault accident.<\/p>\n<p>The terminology alone can make car insurance shopping overwhelming, but Mamdani says a good way to start is by looking at mandatory coverages:<\/p>\n<ul class=\"disc-list\">\n<li>Liability \u2014 financial protection if you injure someone or damage property.<\/li>\n<li>Property damage \u2014 covers you for damage to your car if you are not at fault in an accident.<\/li>\n<li>Accident Benefits \u2013 provides coverage to you if you are injured in an accident or to your spouse, partner or dependent children if you pass away in an accident.<\/li>\n<\/ul>\n<p>He says popular insurance add-ons include:<\/p>\n<ul class=\"disc-list\">\n<li>Collision coverage, which protects your vehicle if it&#8217;s damaged in an accident.<\/li>\n<li><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/collision-comprehensive-insurance.html?dlref=Discover-Learn-Insurance&amp;dlarticle=Students-and-Graduates-Making-Smarter-Choices-for-Your-Car-Insurance&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">Comprehensive coverage<\/a> provides coverage for your car in the event of theft, vandalism, fire, falling objects and other incidents.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/\" target=\"_blank\" rel=\"noopener noreferrer\">Other optional add-ons<\/a> could be coverage of loss, damage or theft of a non-owned vehicle, like a rental, and a waiver of depreciation, which guarantees that no depreciation will be applied to a vehicle that is less than two years old.<\/p>\n<p>Regardless of which plan and add-ons you choose, Mamdani says the best way to save money is to have a clean driving record with no convictions or at-fault accidents, and to pay your bill on time, every time.<\/p>\n<p>Some car insurance rules can vary by province so be sure to get advice from a Licensed Insurance Advisor.<\/p>\n<p>Click to <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Students-and-Graduates-Making-Smarter-Choices-for-Your-Car-Insurance&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">learn more about car insurance<\/a>.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online*<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A3&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-8670-476a44f4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Start My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A3&amp;Lang=EN \">Start My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-8670-9e2cb068\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Do your research before buying car insurance and learn how to make your car insurance work better for you.<\/p>\n","protected":false},"author":110,"featured_media":8683,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[28,20,21],"article-type":[80],"ppma_author":[],"class_list":["post-8670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-auto","tag-car-insurance","tag-managing-money","article-type-advice-learning"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New Drivers: Making Smarter Choices for Your Car Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Do your research before 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