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First-time driver? How to Get Affordable Car Insurance Cover

Published on: 19 March 2015

It’s an unfortunate reality that first-time drivers may pay higher premiums than drivers who have been on the road for longer. This is due to the fact that insurance companies do not have any driver history with which to determine their risk, and in addition to this, many accidents are attributed to younger drivers who do not strictly adhere to road rules. But what if you’re a responsible young driver who is looking to get off on good financial footing when driving your first car? You deserve affordable insurance premiums too.

Here’s how you can get affordable car insurance cover as a first-time driver:

  • Make Sure You Are the Safest Driver Possible
    This may seem obvious, but it is crucial to ensuring your affordable car insurance cover in future years. Take driving lessons - practice makes perfect, and you can never have enough practice before you take to the road on your own. Drive with an experienced driver whenever you can, being sure to take – and implement - tips and advice. If possible, do an advanced driving course as this may positively bolster your risk profile. In addition to this, ensuring that you are a good driver will prevent you from potential accidents, which means that you won’t have to pay hefty insurance premiums in the future.

    Tip: Don’t only worry about your driving skills; keep your eye on other drivers too! Part of preventing an accident is predicting other drivers’ faults or future moves on the road, and knowing how to avoid an accident in the event of other drivers’ errors.

  • Compare Prices
    Do your shopping. When searching for car insurance online, compare quotes and find the provider with the most affordable and relevant policy for your needs. Don’t settle for the first quote that comes your way, nor the cheapest, as it is more important to find the right policy that won’t leave you in the financial lurch when you need to lay a claim, than it is to find the first and cheapest option.

  • Consider Insurance When Car Shopping
    When you are shopping around for a car, find out which cars have higher risk profiles than others. If possible, purchase a vehicle that falls into a lower-risk category to avoid high premiums that are stacked against vehicles that are more likely to be stolen.

By using these tips and doing your research and comparison shopping, there is no need for you to pay exorbitant insurance fees on your first car. Remember, it is better to have the lowest option of car insurance than none at all, and part of being a responsible driver means being fully insured in the event of an accident or vehicle theft.

Contact MiWay today to receive an affordable insurance quote for first-time drivers.

Not sure why car insurance is so important? Click here to find out more.