Finding cheap car insurance for new drivers can prove extremely challenging. This is even more so when the person looking for such insurance is under the age of 25 years. In fact the highest premiums are those charged to people aged between 16 and 24 because they are considered to be a higher risk to the insurance companies.
However, for these drivers there are certain things that they can do which can help them to get the best deals possible when getting car insurance. Below we offer a few steps that any new driver should consider using and which will help them as a result to obtain much lower premiums.
Step 1 - Although you may want to show off to your friends after passing your test going for the fastest flashiest car isn't the right one to get cheap car insurance. Remember insurance companies see you has a high risk as they feel that you don't have enough experience when it comes to driving. Instead opt for a more basic car with a small engine as this is the best way to keep the price of your premiums down.
Also look for cars that come with plenty of safety features as standard on them. Insurance companies will see you as a more responsible driver and will be more willing to offer better rates to you. Plus it is also worth considering up the security features that your car is fitted with. Most modern cars are fitted with immobilisers but it is worth considering also fitting an approved alarm system also.
Step 2 - After passing your initial car test it is worth considering enrolling on to an advance driver's course. Whilst on this course you will learn more about how to avoid potentially dangerous situations when driving that a conventional driving course will not provide you with. Again by undergoing such courses the insurance companies will see you as a more responsible driver and will see you have gained more experience to help improve your driving skills.
It is important that you choose those driving courses that are recognized by the insurance companies such as Pass Plus. If you don't then the chances of you obtaining a reduced premium is greatly reduced.
Step 3 - If you can afford to then pay a higher excess rather than the minimum amount that is stated on the policy. Often by agreeing to pay more towards any claims you make on your policy is a sure fire way of helping to get the premiums you are paying down to a more reasonable level.
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