Buying your first car insurance policy can be tricky. For auto insurance companies a young driver is considered high risk because he normally has no credit record and that fact leads to more claims, they say. Also, first time policy is more expensive because you miss out on some big discounts like homeowner discount and multi-car discount. Some insurers don’t want to deal with drivers under the age of 25 because of they are considered many more times likely to have an accident than a more mature driver.

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