The very first quote you get as a new driver can often come as a bit of a shock. New drivers with no driving history are pretty much going to attract the highest premiums. Add to that the fact that if you are under 25 then these premiums will soar even higher.
For many people who are new to driving may find that the cost of insuring their car too prohibitive. One mistake many new drivers make is to buy a car before they research the cost of getting car insurance for new drivers. Many a time a younger driver may go for a performance or modified car only later to find that the cost of insuring the car is far more expensive than the cost of the car itself.
So what can you do to reduce the cost of insuring your car as a new driver? Well there are some things that you will not be able to change. The cost of a policy can rise if you live in a postcode that has a higher level of crime. If you are young then this also increases your premiums.
The first thing you can do is to choose the right car, every car in the UK is allocated an insurance group. The lower the group the lower the cost of your car insurance premiums will be. Buying a low insurance group car will help reduce your overall premium costs.
Security is also a significant factor, the safer your car the less likely it is to be stolen and therefore insurers will charge you less. Installing an approved security system in your car and making your car secure at night by not parking it on the road will all go towards making your car less of a target for thieves.
Even after you have done your best to get the cost of your insurance down you can still end up with a large premium to pay all at once. One helpful alternative is to get a pay as you go monthly car insurance policy. This means that rather than paying your premium in one lump sum you can pay for it monthly making it easier to budget for.