Yes, the amount of time licensed does affect your insurance rates. The sooner you get your license, the sooner it will help lower your insurance rates. Your insurance rates will typically be high since you will be classified as an inexperienced driver and are under 25 at this point in time. To help with the high costs of getting car insurance for the first time some states offer driver training courses that give you a certificate upon completion.

This driver's certificate can help lower your insurance costs, depending on state laws and an insurance company's rating system and allowable discounts. For instance New York State has a Points and Insurance Reduction Program (PIRP) which states that if you take the driver training course, you receive a certificate to present to your insurance company within 90 days. This should then allow for your liability and collision premium to be reduced immediately.

If your state does not have a program like this you should ask your insurance carrier if you are eligible for a driver training discount. Get an auto insurance quote right now.