Cheap Car Insurance For New Drivers - Is it a Myth?

Affordable car insurance for new drivers is never easy to find and cheap insurance is a virtual impossibility. This is because most insurance companies see newly qualified drivers as a risk. They think that new drivers lack the road skills to avoid unnecessary accidents, and in a lot of cases they would be right. But on the other hand, a lot of new drivers are especially careful when they first pass their test and very few ever actually cause a traffic accident.

So what determines the price of car insurance for new drivers?

This depends to a large extent on the individual car insurance provider. For example, some will take into account the age of the new driver. This means that a person in their 30s may be offered cheaper car insurance than someone just as road conscious in their late teens. Gender is also often considered - as males are statistically more likely to cause a traffic accident than females. The type of car being driven by the new driver is also a big factor. Those who choose to drive powerful cars with large engine capacities are quoted much higher insurance prices than those who own a nice little run around car.

How can the insurance quotes be reduced?

If you are a new driver then insuring a smaller car is one way of finding cheaper car insurance. Another way is to take an advanced driving course so that insurance companies can see you have better road skills than the average new driver. Alternatively, you can add an experienced driver to the insurance policy as the primary driver and have yourself as a second driver. The only drawback to this method is that you, as a secondary driver, won't build up your own no-claims bonus and so your annual insurance quotes won't drop by much each time.

Where to find new driver car insurance?

The best option for finding inexpensive car insurance today is on the internet, and this is no different for new drivers. The numerous price comparison sites are always a good place to start however phoning around some of the big names in insurance can also often turn out some good quotes. Cheap car insurance for new drivers does exist but you will almost definitely have to shop around and actually search for it, but if this saves you a few dollars then so much the better.

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