No matter how old you are when you take your driving text, you will be classified as a new driver by your insurance company when you purchase your first car insurance policy. It is not unusual for car insurance for new drivers to cost more than the first car that they own. Insurance is not optional, though. To drive legally in the UK, you have to be covered by some form of insurance. However, there are ways to keep the costs of your first insurance policy affordable.
What to Look For in Insurance
While finding the least expensive policy is undoubtedly toward the top of your list, you also need to be sure that you get the right coverage under that cheap price quote. Shopping around can help you do this. Virtually any online insurance comparison site will allow you to search for car insurance for new drivers. It is also important that you trust your insurance company as well as your agent. You should feel comfortable with asking him or her any questions about your policy and coverage. This trustworthiness will make filing a claim much easier on everyone involved. Also be sure that the company you choose to work with has a good reputation. If you discover that many people have had trouble getting them to honour discounts or pay claims, it might be wise to find another insurance provider.
Deciding How Much Coverage You Need
When deciding which type of policy you need, one of the most important considerations is coverage. A cheap car insurance policy will be worth nothing to you if it does not cover what you need it to cover in the event of an accident, theft, or other damage. Knowing exactly what your policy covers before you purchase it can save you a great deal of trouble later, when you have to make a claim. There are three things that you should keep in mind when searching for the right car insurance for new drivers. The first is the type of cover – these are third party, third party fire and theft, and fully comprehensive. Each of these will give you a different amount of coverage, with third party costing the least and covering the least, and fully comprehensive covering the most while being a bit more expensive. Also consider the features of your policy. Some companies provide policy holders with a courtesy car when their vehicle is under repair. No claims discount protection is common, as well. This feature can keep you from losing your no claims discount in the event that you have an accident. The third consideration when looking into car insurance for new drivers are the extras included with your policy, such as legal cover and breakdown assistance. No matter which type of coverage you decide upon and which additions to the policy you find, make sure that the basic benefits offered are enough to cover you and your car.
Finding Affordable Car Insurance for New Drivers
Buying a vehicle with a small engine can help to keep your premiums down. Performance cars with larger, more powerful engines are viewed as high risk by insurance companies. Security precautions such as an alarm, immobiliser, GPS locator, and even simply storing your car in a locking garage when not in use can get you some pretty significant discounts on your premiums. Keeping your driving record clean and avoiding traffic citations will help you save, as well, by allowing you obtain a good drivers discount when you have been on the policy long enough to qualify. One of the best ways to find affordable insurance is by using a comparison site. These sites provide you with quotes from many companies that you can compare between price and coverage benefits to find the best coverage for your situation.