Congratulations! You’ve passed your G2 driving test with flying colours and you’re now able to get behind the wheel with more freedom than ever before. As exciting and fun as this is, it does come with the responsibility of driving safe and making sure you have the right car insurance, especially as a secondary driver.
So before you buckle up, roll down the windows and drive, let’s discuss how much insurance is for a G2 driver in Ontario.
Understand that G2 drivers carry more statistical risk
Being a G2 driver, there is still a lot to learn. You’re a beginner, otherwise known as a high-risk driver. It’s nothing personal, you just don’t have the experience of someone who has been driving for several years.
Insurance companies consider this when calculating how much insurance is for a G2 Driver in Ontario. Don’t be discouraged though, as time goes on you will become an experienced driver and your insurance company will reward your excellent driving record and years of experience with a lower rate.
A G2 licence is a probationary license offered to a new driver after having a G1 license for 12 months or for 8 months after successfully completing a driver’s training course and passing their G2 driving test.
As a G2 driver, you enjoy greater freedom of being able to drive whenever you please, with or without passengers. However, there are some conditions that come with your G2 license. These conditions include:
- You can’t drive after midnight until 5 a.m. the next morning.
- You must have 0% blood alcohol level.
- There must be enough working seat belts for everyone in the vehicle.
- You can’t drive on 400-series highways alone.
Following these restrictions and becoming familiar with the rules of the road will prepare you for the next step, your G license. Once you become a fully licensed G driver you will qualify for an insurance discount. Be sure to contact your insurance provider with the good news so you can reap all the benefits of your new G license.
If you’re a parent of a G2 driver, you’ll need to add your child onto your policy. Including your child on the policy ensures that they are protected in the case of an accident. Your insurance company will adjust your pricing accordingly, so be sure to get in touch with them as soon as your G2 driver is licensed.
If you want to save a few dollars, make sure to list the G2 driver as an occasional driver on your policy. This way, both parent and child can save money until the G2 driver gets more experience and becomes a fully licensed driver. It’s wise for young G2 drivers to use their parents’ vehicle until they’re able to afford the expenses that come with owning their own car.
So how can you save on car insurance as a G2 driver?
Learning how to drive along with the responsibilities of a car can seem intimidating and expensive. But don’t worry, there are ways that can help you save how much insurance is for a G2 driver.
Some insurance outlets offer driver training discounts, which are applied within the first few years of completing your driving classes. Considering such drivers enrolled in these programs are under 25, these discounts are offered to offset high insurance prices for that age group. Once you’re over 25, you’re considered a safer driver by most insurance companies as statistics show drivers under 25 are more susceptible to accidents.
The Ontario Ministry of Transportation must certify the training and the certificate in order for the driver to qualify for the discount. Check out these Ontario government-approved driving programs.
As a G2 driver, if you’re considering buying your own vehicle, it’s important to do your research and see which vehicles are known to have a good safety rating and that are inexpensive to repair. These two factors are a good starting point for lowering how much your insurance is as a G2 driver. Another good way to find a vehicle within your budget is to call your insurance company and see what they recommend as a vehicle. After all, they’re the ones who will be insuring you!
The main thing needed to keep a G2 driver’s insurance premiums low is to maintain a clean driving record by driving safely. We understand that accidents happen, but it’s good to pay closer attention to the things that are within your control. For example, everyone can drive a little slower and check blind spots a little more often.
If you don’t own a vehicle, but live in a household that has one, car insurance is still necessary. The car owner should notify their insurance company, as soon as possible, that someone in their household has a G2 license, even if you don’t drive that often. Covering everyone in the house with a driver’s license just gives you that much more protection.
Driving can be a fun experience for newer drivers, but it’s important to make sure you are fully insured before heading out onto the road. At aha insurance, we cover all levels of driving in Ontario with quality auto insurance rates. If you’re wondering how much is insurance for a G2 driver in Ontario, get your quote online today!