Car Insurance New Drivers at 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.
There are several aspects to car insurance
new drivers which we now consider here.
By definition, a new driver has not had the opportunity to build up a
no claims discount. Therefore, the cost of car insurance, particulalry
for the first year, will be high.
One way to mitigate against this cost is to buy a more modest car for
the first two (or more) years that is rated as lower risk by insurance
companies. An Astra, for example, is in car insurance group 1, the
cheapest car insurance group to insure. There is no doubt that this
approach will save many hundreds of pounds in car insurance new drivers
costs as you are building up a no claims discount. Once you have that
no claims discount, it is then more economic to upgrade your car, at
least from an insurance perspective.
The above car choice for a young driver under the age of 25, where the
price of car insurance for new drivers can be excessive, is particualry
worthwhile unless, of course, money is no object.
Other strategies to keep down car insurance new drivers costs are to
accept a higher voluntary excess and to select more basic policies
without extras such as breakdown cover or a free courtesy car.
Because of the high cost of car insurance new drivers, this group can
benefit from getting as many quotes as possible using a price
comparison system. The top link here will take you to our own quote
form, the most popular service on this website.
If you prefer to go direct to an insurance provider for car insurance
new drivers cover, using a broker allows you to get the best deal from
the broker's panel of insurers. Alternatively, you may wish to go
direct to companies such as Endsleigh that specialise in young drivers'
insurance. These are available via the second link above.
There is always, of course, a balance to be struck between the cost of
cover and the price paid. Too cheap and you will face a lot of costs
that the insurance will not cover in the case of a claim. Go too
expensive and you will be well-served in an accident but at a very high
up-front cost. When identifying car insurance new drivers quotes, you
need to decide where on this spectrum you wish to place your own cover.
Somewhere in the middle seems to make sense. It is rarely wise to
select the absolute cheapest quote around as many companies offer very
thin policies to compete favourably with rivals on price comparison
sites.
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