There is nothing like the exhilaration of finally passing your driving test and knowing that the roads are your oyster. The thrill of searching for your first car of your own is an exhilarating feeling. However, the ecstasy can be tempered when considering the costs that may be associated with the best auto insurance companies for new drivers.
As newer drivers tend to be considered more of a risk by insurance companies, car insurance premiums can be higher for those who have only recently passed their test. Younger drivers under 25 may also find that premiums are higher than for older drivers who have just passed their driving tests. Furthermore, new drivers will not have been able to build up a No Claims Discount, which would otherwise reduce their premiums.
So, what are some ways to find the best deals on car insurance for newer drivers?
Opt for a car that is less expensive to insure
Some cars are more expensive to insure regardless of how long you have been driving or the age of the driver. Before you purchase a car, use a comparison site to check the potential costs of your insurance premiums.
Choose black box insurance
A black box is a small device that is installed in a car and monitors the safety of the driving and the amount of mileage done. Generally, black box insurance can be cheaper than other types of insurance and is a great option to consider for new drivers looking for affordable premiums.
Select a larger excess
Most insurance policies come with a standard excess which is the amount that you would need to pay in the event of a claim before the insurance company covers the rest of the claim. In choosing a larger voluntary excess, you would have to pay more if you needed to claim but you may also decrease the cost of your insurance premiums, saving money.
Use a trusted comparison site
Using an insurance comparison site can help you to find the best deals for you. This will allow you to find an affordable quote that ticks all the right boxes in what you are looking for. With a range of options to choose from, a comparison site makes it significantly easier to select the type of insurance that you want within your budget.
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