As a newcomer to the sport the tendency to purchase the largest and most technologically advanced driver can prove overwhelming. If however you purchase a driver based on this premise without taking into account swing style - you’ll find the whole experience less than confidence inspiring.

A beginner’s set of clubs should ideally consist of a small assortment of woods - namely 1, 3 and 5-woods. The number 1 wood is referred to as the driver and is most commonly played club for long, straight tee shots. These clubs are fitted with large profiled club-heads up to 460cc (cubic centimetres) - the largest size permitted under international regulation.

The concept of using a large wood (or driver) for long distance strikes is sound in principle - unfortunately, the driver is one of the most difficult golf clubs to use effectively and is not recommended for the inexperienced player. It is also fair to say that because of the enlarged club-head the chances of a player connecting with the ball through the sweet-spot are greater. If you follow golf in the media you’d be hard-pressed to miss the likes of Tiger Woods and Padraig Harrington using large headed woods for a majority of their shots.

Finding the optimal club weight can also be beneficial for improving the control of your swing. Modern day drivers are traditionally lightweight through the use of graphite shafts and titanium-based club-heads. Weight is typically concentrated inside the club-head to produce a sweet-spot - an area of the club-face that produces optimal launch characteristics. More manufacturers are producing drivers with interchangeable weights to allow players the option to reconfigure the weight distribution of the club to match a player’s swing type.

If you are a beginner it is worth seeking the advice of a professional coach who will most likely advise you to master control before concentrating on the latest features and design of a driver.

The degree of flex should also be considered when selecting your first driver or set of woods. A flexible shaft is understood to deliver more power from the swing to the ball - compared to a stiff graphite shaft or stainless steel shaft. A slower swing speed is better suited to a flexible shaft such as those used in junior, ladies and senior woods. A fast swing should benefit further from a stiff shaft - either graphite or stainless steel; the latter will allow a greater degree of control at the sacrifice of gaining additional weight.

If you are reading this article, you are probably interested in knowing if there is a difference between a person who is new at driving and a person who has been driving for years. The truth is, no matter how good a new driver is, they are automatically thrown into a lump some of liability drivers. Insurances companies start off seeing new drivers as a huge risk. As that new driver establishes a driving record, this starts to diminish, borrowing that the driving record is a good one.

Young Drivers

Unfortunately, young drivers have it the hardest. Not only do young drivers get slammed with the “new driver” premium, they also get branded with the “age” premium. Statistics show that young drivers are more likely to get into an accident than an older driver. More over, fatality rates are much higher in the new driver category with teenagers than older drivers. Why is that you ask?

Teenagers are more prone to partake in risky behavior. An example of this would be a teenager that is one the road, sees another teen and than person revs up their engine. This means they want to race. You think the teen is going to back down from that? I think not, and so does the insurance company. The high fatality rates can be attributed to instances like this. High speeds, driving under the influence, driving recklessly to act cool, and feeling invincible are all characteristics that sadly enough, get young drivers killed.

Experienced Drivers

A more experienced driver knows how to avoid certain circumstances and also how to handle situations better if they were to arise. It is the result of being experienced, knowledgeable, and more mature that make these drivers less of a risk. It is especially good if you are someone who has been driving for years and has very minimal if any marks on the driving record.

Sometimes it’s difficult for new drivers to save money on their car insurance policies. This is mostly due to the fact that new drivers just aren’t as experienced driving as those drivers who have been on the roads for a few more years. Car insurance companies tend to view new drivers at a higher risk for accidents and traffic violations than they see those more experienced drivers; therefore, they charge a higher rate for new driver car insurance. A new driver doesn’t necessarily mean a teen driver, either; there are new drivers of all ages, which means there are ways for all new drivers to get cheap car insurance.

Some tips to instantly get low cost new driver car insurance include:

• Try to be added on to another driver’s car insurance policy, such as your parents’ or your spouse’s. This may raise their premiums a bit, but it will cost less than purchasing a completely separate car insurance policy. Plus, they may get a discount for having multi-drivers and multi-vehicles on their policies.

• If you didn’t use a lender to help pay for your car, consider purchasing your state’s minimum liability insurance requirements. (Lenders usually require you to purchase more than the state’s minimum.)

• Purchase your new driver car insurance from another insurance company from which you purchase another insurance policy, such as your home owner’s insurance policy. Having multi-line insurance can sometimes help you get discounts.

Of course, there are other factors that go into determining your new driver car insurance, such as your age, the kind of car you driver (safer is better), your driving record, and even your credit score. These factors can’t be changed overnight, so it’s best to keep them in mind as you become a more experienced driver. In the meantime, always ask your car insurance company about additional special discounts for which you may be eligible as a new driver.

Car insurance companies view new drivers as inexperienced drivers; therefore, new drivers usually have higher car insurance premiums than older drivers, who are considered more experienced drivers.

Even though new drivers are inexperienced drivers, their car insurance premiums do not have to break the bank. There are ways to save money, especially if the new driver has a family member with an existing car insurance policy.

Take the tips into consideration to save money with your new driver.

• Ask about “multi” discounts. Some car insurance companies offer discounts to policyholders who have multi-car policies, i.e., those that have more than one car on their car insurance policies. At the same time, some insurance companies will offer multi-line discounts, which means if the policyholder has both a car insurance policy and a home owner or life insurance policy with the same insurance company, they have “multiple lines” of insurance and may qualify for a discount. If the new driver is going to be on your, or another person’s, existing car insurance policy, the policyholder may be eligible for a multi-driver discount.

• Make sure he or she enrolls in a driver education course. Some high schools provide driver education courses. If your teen’s high school does not, enroll him or her in a driver education course offered by a private company. The driver education courses offered by private companies are also available for older drivers; therefore, they could help the new, older driver save money on car insurance.

• If your new driver is a teen, ask the car insurance company about Good Student discounts. Some car insurance companies offer discounts to teens who make good grades in school. It is a win/win situation!

• Military discounts are offered in some parts of America to active and even retired military personnel. If your new driver fits either one of those descriptions, ask the car insurance company about such a discount.

As a new driver, expect to pay more for your car insurance than you would if you were an older more experienced driver. All is not lost, however, there are things you can do to take the sting out of the cost of insurance and lower your rate.

1.Vehicle: Stay away from brand new, very expensive, very fast, sport cars. Expensive cars cost more to insure, the more horse power, the higher and the premium. Go for something that is older, with many safety features. Companies offer discounts for features like automatic seatbelts, airbags and anti-lock brakes.

2.Drivers Education: As a new driver, it will help your insurance rate if you take an approved drivers safety course. Chat with your insurance agent before taking the course. You want to make sure that they recognize and approve of the institution offering the class. Aside from getting good driving information, you do want to get the insurance premium discount so make sure that it is one accepted by your insurance carrier.

3.Sober Driving: This is a no brainer, but needs to be said. Driving while under the influence is not only dangerous, but costly in more ways than one. If you are stopped with a DUI, not only will your insurance rates increase, if you are under aged, it is illegal and your insurance company may void your coverage.

4.Student Drivers: If you’re a new young driver that is still in school, maintaining good grades (B average or above) may earn a discount of up to 25% of your insurance premium.

5.Talk to your agent. Your insurance agent is aware of various discounts offered by the insurance company. You might qualify for some of them, but you won’t know unless you ask.

6.Compare: Get quotes from more than one company. Shop around.

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