General wisdom has it that you pay the highest insurance premiums when you first start driving.
As a new driver, it's only to be expected.
Most, if not all, auto insurance companies view your relative inexperience as a liability.
Even though you might have lots of 'off the record' driving experience, the high accident rate recorded by young drivers influences the rates charged to all young drivers.
While higher insurance premiums are usually charged for a driver's first licensed year, with premiums in subsequent years becoming significantly lower, the high cost of obtaining initial car insurance may be discouraging.
Shopping around for insurance policies is one of the first things a newly licensed driver should do.
Premiums may be higher than what you hope for, but at least you'll be able to identify the more wallet-friendly policies.
It's easy to obtain quotes online, which also saves time.
You might also be pleasantly surprised too by premiums quoted to you if you call insurers in person.
Very often though, quotes for auto insurance may not be an accurate reflection of the actual policy cost.
Shopping around for cheap new driver car insurance also means reviewing all aspects of the policy, its benefits as well as the payments involved for a particular premium.
Part of the excitement of getting a driver's license is that you can finally get your hands on that dream car.
However, most new drivers would balk at the thought when they discover the premiums charged to novice owners of high-powered or high-end vehicles.
Expensive cars face a higher chance of being stolen, hence higher insurance premiums.
Even modifications to a mid-range car can push premiums up.
It would be wise for a person looking for a cheap insurance policy to ensure the security of the vehicle.
Some insurance companies take it into consideration if the car is kept in a garage.
If you're constantly getting stumped in your search for cheap new driver car insurance, you might want to consider naming an experienced driver with a good driving record as the policy owner while putting yourself up at a named, secondary driver.
However, secondary drivers aren't entitled to build-up their no-claims bonus, and annual insurance rates won't see a significant decrease.
While you can to find an insurance company that offers no-claims bonuses to second named drivers, this practice is considered illegal in some areas and is known as 'car insurance fronting'.
However, naming an experienced driver with a good track record as a second driver may help reduce premiums.
Insurance companies also recognize effort when they see it.
Sometimes, teens can obtain lower insurance premiums if they maintain good grades in school.
Safe driving practices also keep your record free of black marks that may increases premiums.
This is also taken into consideration when future premiums are considered.
Making a commitment towards being a safe driver, such as by completing a Driving Standards Agency Plus Pass course also opens the door to worthwhile discounts on your insurance policy.
As a new driver, it's only to be expected.
Most, if not all, auto insurance companies view your relative inexperience as a liability.
Even though you might have lots of 'off the record' driving experience, the high accident rate recorded by young drivers influences the rates charged to all young drivers.
While higher insurance premiums are usually charged for a driver's first licensed year, with premiums in subsequent years becoming significantly lower, the high cost of obtaining initial car insurance may be discouraging.
Shopping around for insurance policies is one of the first things a newly licensed driver should do.
Premiums may be higher than what you hope for, but at least you'll be able to identify the more wallet-friendly policies.
It's easy to obtain quotes online, which also saves time.
You might also be pleasantly surprised too by premiums quoted to you if you call insurers in person.
Very often though, quotes for auto insurance may not be an accurate reflection of the actual policy cost.
Shopping around for cheap new driver car insurance also means reviewing all aspects of the policy, its benefits as well as the payments involved for a particular premium.
Part of the excitement of getting a driver's license is that you can finally get your hands on that dream car.
However, most new drivers would balk at the thought when they discover the premiums charged to novice owners of high-powered or high-end vehicles.
Expensive cars face a higher chance of being stolen, hence higher insurance premiums.
Even modifications to a mid-range car can push premiums up.
It would be wise for a person looking for a cheap insurance policy to ensure the security of the vehicle.
Some insurance companies take it into consideration if the car is kept in a garage.
If you're constantly getting stumped in your search for cheap new driver car insurance, you might want to consider naming an experienced driver with a good driving record as the policy owner while putting yourself up at a named, secondary driver.
However, secondary drivers aren't entitled to build-up their no-claims bonus, and annual insurance rates won't see a significant decrease.
While you can to find an insurance company that offers no-claims bonuses to second named drivers, this practice is considered illegal in some areas and is known as 'car insurance fronting'.
However, naming an experienced driver with a good track record as a second driver may help reduce premiums.
Insurance companies also recognize effort when they see it.
Sometimes, teens can obtain lower insurance premiums if they maintain good grades in school.
Safe driving practices also keep your record free of black marks that may increases premiums.
This is also taken into consideration when future premiums are considered.
Making a commitment towards being a safe driver, such as by completing a Driving Standards Agency Plus Pass course also opens the door to worthwhile discounts on your insurance policy.