So the L-plates have come off and now you’re itching to get out on the road. This guide has everything you need to know about finding your car and getting it insured, making it as smooth and easy as possible.
As a first-time driver, car insurance is expensive – it’s no secret. But there are some things you can do to get it for a little bit less.
Step 1: Find the right car
It’s recommended that you never buy a car without checking how much it will cost to insure first. You might have saved enough to pay for the car and you may be getting a really good deal, but can you afford the monthly (or yearly) insurance on it?
According to Motorway, these are the cheapest cars for first-time drivers:
- Ford KA+
- Volkswagen Polo
- Skoda Citigo
- Hyundai i10
- Vauxhall Corsa
- Ford Fiesta
- Skoda Fabia
- Kia Rio
- Dacia Sandero
- Fiat Panda
- Toyota Yaris.
If there’s one on this list you like, be sure to check how much it is to insure before you exchange any cash.
Step 2: Understanding policies
Insurance can be complicated, and a claim could be costly if you’ve taken out cover that isn’t right for you – here, we’ve broken down the three most common policies you can expect to choose from:
- Third-party only – if you take out this policy, it will only cover you against damage to other cars, property, and any medical costs for the people involved. But it won’t cover damage to your own car, in the event of a fault claim.
- Third-party, fire and theft – this covers you for all the above and, as the name suggests, also covers you if your car ever on fire or stolen.
- Comprehensive – this is the best cover you could have as it covers all of the above and, but also offers extra cover for your car if it is damaged in an accident.
Bear in mind that comprehensive cover will only cover your car if it is damaged in an accident, not for general wear and tear.
Step 3: Getting insured
Now comes the big step – taking out a policy. One of the best options when it comes to car insurance for a new driver is having a black box installed. Using telematics technology, this innovative device gives new drivers the chance to earn discounts on their insurance premiums through safe driving.
How does it work?
Firstly, a black box is installed in your car, this then measures how your car is driven. You can check how well you have been driving at any point and you could then save yourself money with a good driving score. However, if you drive poorly, you could pay more for your insurance.
What you need to consider to achieve a good driving score:
- How fast you accelerate
- The speed you drive at
- How sharply you brake
- The time of day you drive.
But don’t forget, by doing these things you will save money on more than just insurance as better driving reduces the cost associated with fuel, tyres, and general wear and tear.
Unfortunately, new drivers need to be prepared for higher prices. But don’t worry; with experience, the right policy and safe driving, this will reduce over time.
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