Restrictions for new drivers for low auto insurance premiums

The restrictions for new drivers may also include night time driving restrictions, vehicle occupant restrictions, and a zero alcohol tolerance restriction to name just a few. The insurance companies reduce their risk of insuring teens by placing certain concessions on their driving habits. They will require driving school, no driving after the dark, etc and various other restrictions that will allow to keep their premiums low for teen drivers. After a specific period of time, they will be also required to undertake an additional test to remove them from the new driver programmer. The graduated licensing laws have come into effect in most states in the USA and some provinces in Canada. They may be issued a full auto license such as a class 5 but there is usually a letter designation behind it to indicate they are a new driver. A 16 year old driver is 10 times more likely to get into an accident than an adult - so you can see why insurance companies are hesitant to provide good rates.