Cheap Car Insurance for New Drivers
Obtaining cheap car insurance for new drivers is not an impossible dream. If you compare quotes from auto insurance providers that offer specialist cover designed for young motorists, you have a greater chance of finding a cheap policy. In addition, there are many measures you can take to minimise the cost of cheap vehicle insurance for new drivers.
When you've just qualified for your full licence, it's understandable that you should have a higher rate of accidents than experienced motorists. Newly qualified motorists are still learning the rules of the road and developing their skills. According to statistics, the first two years of driving are the most dangerous time for new drivers. For this reason, the Road Traffic Act of 1988 declared that new drivers must pass a two-year probationary period. If you reach 6 or more penalty points during this period, your licence will be revoked, and you must start from the beginning as a learner.
Cheap Cars for Young Motorists
New drivers who are in the market for a car can save money on cheap auto insurance for new drivers by purchasing a car that's cheap to insure. If you are between the ages of 17 and 25, you probably can't afford a high powered, luxury car. However, you may be tempted to invest in a small, fast vehicle, which could be costly to insure, especially for young drivers.
The cheapest cars for newly qualified motorists are easy to maneuver and have a low risk of auto accidents, which is why many businesses turn to them for their company vehicle insurance needs. These automobiles are also relatively light, which makes them less likely to cause serious damage in a collision. As an added bonus, low powered, fuel efficient vehicles are cheaper to own. You'll spend less money on gas and car repair when you purchase a vehicle that's cheap to insure.
The security level of a new car also makes a difference in the cost of automobile cover. The higher the risk of an automobile theft or break-in, the more costly your insurance will be. A car that's been fitted at the factory with high performance locks, an alarm system and other security devices will help you obtain cheap car insurance for new drivers. A safe, secure car helps you maintain cheap auto insurance premiums by reducing your risk of accidents and theft. The longer you drive without making claims, the more quickly you'll qualify for a no claims discount.
Monitoring New Drivers
Some insurance providers are offering innovative ways for younger motorists to earn cheap car insurance for new drivers. These systems incorporate a GPS, or Global Positioning System, device to monitor the safety of a driver. Younger motorists have a higher risk for accidents during certain times of the day and in certain areas or driving conditions. With a GPS device installed in your car, your insurer can monitor your driving to ensure that you are following safe driving practices.
The GPS device will record your speed and whereabouts at certain times of the day or night. The more safely and responsibly you operate your vehicle, the lower your auto insurance rates will be. Using this technology, an automobile insurance company can reward responsible motorists with discounts on cheap automobile insurance for new drivers. By the same token, an insurer may raise your rates for cheap car insurance for new drivers if you drive during dangerous hours or drive too fast.
Educating New Drivers
As a newly qualified driver, there are a number of measures you can take to get cheap car insurance for new drivers. Having recently passed your theory and practical exams, taking a driver safety course may be the last thing on your mind. However, completing the Pass Plus course, a driver education scheme designed by the Driving Standards Agency, can help you claim a discount on cheap cover for your car.
The Pass Plus course includes six training modules covering risky traffic situations, such as driving at night or negotiating motorways. In order to complete the course, you must find a qualified instructor and pay a fee. Your progress will be monitored throughout the course, and if you pass the exam, you will receive a certificate that will allow you to claim a discount on your cover through certain companies. In addition, you will have greater confidence on the road when you're confronted with common traffic hazards.
Cheap car insurance for new drivers is within your reach when you take advantage of every opportunity to lower your rates. Parking your vehicle in a locked garage and taking other measures to increase the security of your automobile will help you achieve cheaper cover. Compare quotes from companies that specialise in offering affordable cover to young motorists as a reward for driving safely and responsibly.