Getting a Cheap Car Insurance for New Drivers

Published: February 25, 2018

Updated: May 15, 2018



Have you ever attempted car insurance for new driver? If you’ve ever done this, you would understand that getting car insurance for drivers below the age of 25 is a herculean task. The most expensive premiums on insurance policy are targeted at drivers between the ages of 16 and 24 years. This is a task many find to be onerous and they struggle to accomplish it. It is however easy to get auto insurance for a young person at a cheap premium.

Young drivers have a challenge when it comes to getting auto insurance. It is a legal responsibility that they obtain a license and they cannot drive except they obtain it. They are also faced with the challenge of a difficult financial situation that makes it hard for them to pay a lot for insurance. Their financial position is usually unstable at that age.

This reality may sound unfair, however you can look at this from a different angle also. Young drivers are quite inexperienced. Some of them could be safe drivers; but when you compare them with the older drivers, they are not very experienced at driving. Because of this inexperience, they have a greater probability of having accidents. New drivers make more claims for the insurance companies than their experienced counterparts.

Therefore, if you require car insurance before age 25, you will have to pay a higher premium than you will pay when you turn 30. Nevertheless, there are ways through which you can get cheap insurance rates for new or young drivers. There are some steps to take to get a low premium on insurance.

The kind of car you drive is a main factor that decides your insurance cost. New drivers at their age would be looking forward to experience fast cars. Flashy cars attract quite a sum as insurance protection. Hence, the first thing you need to do to lower your insurance premium is to buy a basic car with small engine. You need to have very good reasons why you should upgrade your car to a better model when you gain more experience and you grow older and can afford the higher premium.

Enrolling in a Pass Plus course is another way to obtain lower insurance. This course will give you lots of tips that you may not learn from a traditional driving instructor. Stick to these tips and you will obtain a lower premium for your car insurance as many insurance firms give particular consideration to courses such as Pass Plus.

You can take these steps from home to get a cheap insurance for new drivers. You can begin to search online to get the right insurance for you.