Staff Writer
Caleb Hartman
Caleb Hartman is a staff writer at Best Car Insurance for New Drivers. He covered the automotive industry for a Midwest business publication for six years before turning to consumer insurance writing in 2021.
On this site he writes about vehicle choice, telematics programmes and discounts—the parts of a new driver's premium that a family can actually change. He works from published loss data and programme terms rather than marketing claims.
Caleb is based in Dublin, Ohio.
- Based in Dublin, Ohio
- Covering auto insurance since 2021
- Focus areas: vehicle insurance costs, telematics programmes, discount structures, automotive industry
- Education: Miami University (B.A., Journalism)
Guides
Guide
Car Insurance for Adult New Drivers
Insurance for people who get their first licence at 25, 35 or 55: how inexperience is priced without the youth surcharge, and how to build a record fast.
Guide
Car Insurance Discounts for New Drivers
Good student, driver training, telematics, distant student and other discounts that specifically reduce new-driver premiums—with realistic ranges.
Guide
Best Cars for New Drivers to Insure
What makes a car cheap or expensive to insure for a new driver—size, safety ratings, repair cost, theft rates, horsepower—and how to check before buying.
Guide
A New Driver's First Accident or Ticket
What happens to a new driver's premium after a first at-fault accident or speeding ticket, how long it lasts, and what to do about it.
Entries
Entry
What Makes a Car Cheap to Insure
The specific vehicle attributes insurers price—loss history, repair cost, horsepower, size, theft—and how to use them when choosing a first car.
Entry
Telematics and Usage-Based Insurance for New Drivers: Is It Worth It?
See how telematics and plug-in tracking apps calculate discounts for new drivers, what driving habits insurers monitor, and whether signing up saves money.
Entry
What Happens to Insurance Rates After a New Driver's First Speeding Ticket
Understand how a first speeding ticket impacts new driver car insurance rates, how surcharges work, and the exact steps to minimize premium increases.