Car Insurance for New Drivers

Where would people be without their car today?  We rely on the motor car so much these days to get us to work and back, shopping trips, going on holiday, taking the kids to school and visiting family and friends.  We are so used to being able to get in our car and go where ever we want without having to rely on the buses and trains.  Of course, there are many people who do not know how to drive and have no intention of ever learning.  They are quite content to walk or cycle to work if they live close by their place of work or catch the bus or train for longer journeys.  However, being able to drive and owning your own car does have a lot of advantages and in some cases disadvantages.  It can make people very lazy and not bother walking anywhere at all, even small distances.  Another disadvantage is the expense for having the facility of a motor car.  Apart from the expense of petrol another big expense is the car insurance particularly so for new drivers. It doesn't matter how old someone is, if they are a new inexperienced driver they will be seen as a risk to any Insurance Company.  This will be reflected in the yearly premium quoted to cover their car.  The Road Traffic Act in England states that everyone should have at least third party insurance cover.  This will cover the owner if they have an accident or any accident that involves someone else.  Third party fire and theft insurance will cover the car if it catches fire or sets some other person's car on fire.  Fully comprehensive car insurance will cover for almost every eventuality such as a broken windscreen and protecting your no claim bonus.

So where does a new driver start to try and find cheap car insurance?  The simple answer is that there is no good cheap insurance for new drivers.  Quotes will vary and it is always better to get as many quotes as you can.  By checking the comparison sites on-line you will be able to see what the Insurance Companies are offering.  A cheap quote might look very good at first glance but this could be because it is not offering many essential aspects of cover.  Some quotes might not include covering a no claims bonus or the amount of the excess could start at a high level. Others might not include a free courtesy car should you need one or guarantee repairs.  Before making any decision always read the small print and make sure you are getting the cover you need.  Just because a quote is much cheaper than the rest doesn't always mean that it is the best for you. Obviously, the more protection of cover you need the more the policy is going to cost.  A good way of perhaps reducing the cost of your car insurance could be to drive a car with a smaller engine or agree to limit your mileage.  Drive carefully and build up your no claim bonus which will help bring the premium down the following year. Check out what other customers have to say about any potential Insurer and always read the small print to make sure you are getting the cover you want. By taking the time and having plenty of patience most new drivers will be able to find good insurance that doesn't cost more than the car itself. 

Summary

Buying car insurance for a new driver is going to be very expensive but by taking a few small steps it can be possible to reduce your yearly premium.  Check as many quotes as possible and always read the small print to make sure that any quote is covering you for all the essential aspects you need.