First
Time Car Insurance from the Car Insurance Supermarket
If you
want to buy cheap young driver insurance right now, we would recommend
going to our article on young
drivers car insurance in our
'Buyers Guide' section that offers
the most useful advice on this.
Getting first time car
insurance without paying an excessive price is something of a
challenge.
By definition, if first time car insurance
is your requirement, you
have not been able to build up a no claims discount yet.
New drivers, especially young new drivers, because they are more likely
to be involved in an accident, are also more costly to insure.
Add these considerations to the desire of some young people to own more
powerful cars, then the mix is right for a potential first time car
insurance annual premium of well over £1000.
What can be done to mitigate against this stratispheric price for first
time car insurance?
Well, the boring reality of it is that the most important step you can
take to cut costs is when you purchase your car in the first place. You
need to take account of how much it will cost to insure.
Small, insurance group one cars, like a Corsa, are much cheaper to
insure. Any cars above insurence group 5 or 6 begin to get especially
expensive for first time car insurance.
The cost of first time car insurance can also be reduced by cutting out
unnecssary 'extras' as with the selection of a 'no frills' type of
policy. Additional maneouvres include increasing the Excess and
considering third party cover only for the older car of little value.
In terms of how you might identify the best quotes for first time car
insurance, there is no substitute for comparing as many quotes as you
can. The obvious way to do this most efficiently is to let an automated
aggregator system check 1000s of prices for you after you complete a
single form. The links at the top here are to price comparison services
of this type.
Another route to low cost first time car insurance is to deploy the
young driver specialist broker, Endsleigh (available here). They have a
long pedigree of providing cheap quotes to young people.
While the above suggestions are aimed at reducing costs for first time
car insurance, we would always advise you to consider what you must
have in your policy and to avoid any policy that fails to meet your
requirements, even where an increased cost is involved. Obviously, in
order to do this, you need to check what your policy includes and
excludes. When using a price comparison service, it can be necessary to
visit the insurer's site direct to find out.
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