If you are a new driver then you will want to find car insurance at an affordable and sensible price. Insurance is not really something a new driver tend to worry about at first until they find that it looks like it is going to work out pretty expensive to get yourself covered.
In the UK if you are a young or new driver then the cost of insurance can work out to be a significant proportion of your car running costs. As a new driver you will not have built up any no claims so you will pretty much be paying the full premium with little or no discount. So unless you are rich you will want to reduce the cost of your car insurance as much as humanly possible.
So what are the best ways to be able to get the lowest cost car insurance. New drivers should consider their potential insurance costs even before they decide which car they are going to buy. Choosing the right type of car can significantly affect the cost of your insurance premiums.
The best type of car to get is the opposite to what most young drivers want to drive. Choose a popular car, preferably a small car with a small engine. This will not only put you in a much lower insurance group but it will also make your car cheaper to run with petrol costs, getting the car fixed and serviced and potentially lower road tax.
If you are a new driver then you are most probably a young driver, younger drivers are statistically more likely to make a claim on their insurance so anyone under 25 can expect to pay a higher premium. There is not really much that you can do about your age but you can approach one of the many new car driver insurance specialists. Ladies are also safer drivers so getting a quote from a women's only car insurance company will also get you a better deal.
Fortunately now that many of the car insurers are online it makes it much easier to get a quote from multiple insurers. You can also get access to the specialist insurers for new drivers. Although it is initially a bit of work the more quotes you get the more likely you will be to reduce the cost of a policy, it is not unusual for the cost of policies to vary by hundreds of pounds.
You can additionally reduce your costs buy making sure your car is factory standard with no customisations, custom cars means much higher premiums. Keep you car off the road at night and preferably in a garage, this will also reduce your costs. If possible get a Thatcham approved alarm or even better buy a car with one already fitted, this can reduce the cost of your policy by as much as 10%.