If you're new to driving it could be better, unless you have lots of money, to begin with a car from a lower insurance group. If you can build up and maintain a no-claims profile without having penalty points, you need to be able to move up the auto insurance groups without significantly increasing your premium.
best insurance first time driver
The idea is that cheap car insurance for young drivers ought to be competitive because you are reducing the middleman, hence the insurer can pass the savings on you. However you must do the leg-work though, which could take a few hours, nonetheless it will be time well spent. You should call no less than three insurance companies before choosing a policy. And remember that you can often save between 10% and 20% on the internet. Most insurance companies offer cheap car insurance for first time drivers online. So if you get a telephone quote you'll need to check you are not missing a deal which you can only get online, even in the same insurance company.
There isn't any shortage of websites which will let you compare automobile insurance policies and prices between different motor insurance companies. But to get the best possible deal, then you need to spend a few minutes making certain that you are answering every one of the questions correctly when you jump online.
Don't think, however, that you can get away with only taking a look at comparisons on one website. Each website only compares a little handful of insurance companies. In the event you really and want to make sure that you are getting the most effective deal possible on the car insurance, then you really should bite the bullet and go ahead and take extra time to make the identical comparisons on at least 3 different websites.
best insurance first time driver
Another way to secure cheap car insurance for first time drivers is to settle front for the policy. Paying by monthly instalments may appear to be the cheaper option but a majority of insurers will charge interest on the payments (up to 25% APR) this also could effectively clear any perceived savings you have made on the policy.
Also consider adding breakdown cover for the policy if provided by the insurer as this could save you a lot of money ultimately and is usually quite economical considering the peace of mind it delivers. You save $50-$100 by getting your breakdown cover this way.
best insurance first time driver
So, before purchasing cheap car insurance for young drivers it would be wise to view the motor insurance groups that a particular car falls into. These motor insurance groups classify cars inside a certain level of insurance every car is assigned an organization starting from one and ending at twenty. Buying a car relative to the most cost effective group would be a more sensible way to save money on insurance.