What Is The Best Car Insurance For A New Driver?

By Author: Frank Kasimov
Total Articles: 4717
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When you first get your license and get out on the road, it seems that the whole world is stacked against you. It is all about money, and lots of it. You need to purchase a cheap automobile, you need to have the gas to run it, and of course, you need that all-important car insurance. Sadly, car insurance for the new driver is one of the most expensive classes of insurance out there. This is because, based on statistics, you are in the category most likely to have an accident. It had become something of a vicious circle with young drivers struggling to get the money together for their policies, which in the end led to lies being told, uninsured drivers on the roads, and a desperate need to do something about it.

This led to a range of companies offering cheaper auto insurance for those in this position, and there is now a wealth of deals on offer. It is worth talking to a broker who specializes in helping young drivers get a decent insurance policy that they can actually afford. Brokers are brilliant at helping the new driver as they actually understand the complex world of insurance, meaning that you don't need to understand ...
... it. You can simply be guided by their advice. Ask older, more experienced drivers for advice on a good local broker, especially if you can find a friend or family member who has successfully lowered their auto premiums by using the services of a broker.

Factors to Consider
One of the first things to note is that if you are female. While it may seem grossly unfair to the male population, you actually get cheaper auto insurance if you are a woman. Again, this is all based on statistics which show that young women will on average have fewer accidents than new male drivers. The logic is that the female population has accidents caused purely by lack of experience, whereas young male drivers are notorious for getting overly confident and cocky. They are inclined to show off in front of peers more and therefore, more likely to have accidents based on a lack of attention, in addition to those accidents that come from simply being inexperienced. Sadly, these are proven statistics and not negotiable.

Another good tip for finding cheaper car insurance for new drivers is to use the Internet and do some research. There are hundreds of comparison sites that will do a lot of the work for you. They can show you at the click of a button what each company is offering in terms of coverage, and equally what you will have to pay to get specific types of coverage. If you are not taking any third-party advice in the form of a broker who really knows his stuff, you need to make sure you are reading in full the terms of each policy. If they offer a hook, like a year's free no-claims bonus, consider the implications of this, and have a look through the policy to see if you are paying for it elsewhere. There are companies offering this as a genuine goodwill gesture but normally you will need to already be over 19 to qualify, meaning that you will have some driving experience behind you.

Consider how you will pay for you policy. There are a lot of companies who want the whole year premium upfront from the new driver. However, there are those that will let you pay in installments, whether you can do six months at a time, three months at a time, or maybe monthly payments. Normally, you will be asked to pay the first chunk of up to six months at once in advance. If during this time, you have no claims or accidents, you will be offered the chance to pay the rest of the year on a month-by-month basis once your first six months have passed. Just make sure that you do not default on the payments.
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