No matter how old you are, getting your driver’s license is an exciting time. With this newfound freedom comes the responsibility of auto insurance. New drivers will find they’re more likely to pay higher car insurance rates than someone who’s been on the road for many years. Luckily, there are steps new drivers can take to help make the cost of auto insurance more affordable.Muller Insurance is an independent insurance agency with decades of experience helping customers in New Jersey and many other states. Our team helps our clients secure the best policies at the most affordable rates for auto insurance. Here, we offer insurance tips for new drivers seeking proper coverage in New Jersey and what they need to know.Take a Defensive Driving CourseTaking a defensive driving course can go a long way in the eyes of insurance companies. New drivers are a higher risk to insure because of their inexperience behind the wheel and their lack of understanding of the unwritten rules of the road. Defensive driving courses are aimed at making individuals safer drivers by educating them on these rules and making them much more aware of their surroundings.By taking a defensive driving course, no matter what age, you demonstrate that you’re fully aware of the rules of the road and can handle various scenarios in which drivers often find themselves. Many insurance companies will offer new drivers discounted rates after they complete a driver’s education course.Drive a Safe VehicleThe type of vehicle you drive plays a significant role in how much you pay for auto coverage. Automobiles that feature the latest safety equipment cost less to insure than vehicles deemed at higher risk. For example, a new driver is going to pay a lot less for car insurance if driving a four-door sedan as opposed to a premium vehicle. Additionally, new drivers should be aware that aftermarket parts can increase car insurance rates. If your car or truck has tinted windows or has been outfitted with advanced equipment to help make it go faster, you can expect to pay more for auto coverage.Doing Well In SchoolNew drivers are often teenagers or young adults still in high school or college. Many insurance companies offer discounts to new drivers who go above and beyond in the classroom. Generally, to qualify for a good student discount, drivers must meet the academic criteria of a B average or better, or be in the top 20% of their class. New drivers who take advantage of this discount can expect to money.Work With an Independent Agency Like Muller InsuranceWhether you’re a new driver or a seasoned driver, one of the best methods for securing sufficient auto coverage at an affordable rate is by shopping around. At Muller Insurance, we take on this task for new drivers. As an independent insurance agency with a strong reputation, our team works closely with several trusted providers to help our clients receive the best policies within their budget.Some of the insurance companies we’re proud to work with include:Chubb InsurancePlymouth Rock InsuranceTravelers InsuranceProgressiveSafecoLiberty MutualExplore Options for New Driver Car InsuranceNew drivers in New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states wishing to secure premium car insurance at an affordable rate should contact us today at Muller Insurance to get a quote.