Car insurance hits the UK motorist hard, especially if you are new to driving and aged below 25. Therefore, it’s best to shop around for as many quotes as you can before you even buy a car, this way you’ll have a good idea of what you are up against. We know how expensive it can be for first time drivers trying to insure their car so Mini Tuition Driving School have compiled a list of suggestions to assist first time drivers when they are shopping for vehicle insurance.
Size matters – Engine size that is! The smaller the cubic capacity of the engine the cheaper the insurance will be. Don’t try to insure a 5.0 V8 Mustang, all you’ll hear is laughing down the phone. Look for small, compact cars with tiny engines that are in the lowest insurance groups, the VW UP, Seat Mii and Skoda Citigo all fall in the group 1 category.
Type of cover – The kind of cover you pick will alter your premium as well. This is split into three categories as follows:
Third party – Covers you for damage to other vehicles only, this is cheapest option.
Third party, fire and theft – Gives cover for damage to other vehicles and protects your vehicle from fire or acts of theft. This is the second cheapest option.
Fully comprehensive – Covers all the above along with protection for your vehicle too. This is reflected in the price, fully comp is the dearest option.
Mileage allowance – The less mileage you do in the car the cheaper your insurance will be.
Telematic systems – Consider having a ‘black box’ fitted to the vehicle. This monitors driver habits and it’s a good way to keep the cost of your premium down, drive safely and lower your premium at the same time.
Use – Most people choose social, domestic and pleasure but you can tinker with this option a little, for example, limiting the use of the car out of peak hours if you use public transport to get to work.
Modifications – Anything you add to your car whether it’s a sporty exhaust, wider alloys or a body kit will bump up the insurance, leave it box-standard to lower the premium.
Penalty points – Keep your licence clean and those premiums will be cheaper. If you have just passed your test there’s no excuse for getting points, all that ‘fresh-in-the-head’ tuition will have been a waste of time.
Places to park – Garage the car at night if possible, this will reduce the cost of your insurance and protect your shiny new motor as well.
Sole driver – Finally, only include yourself on the policy, if you name another driver this will bump up the cost, and let’s be honest, you don’t want anybody else driving your pride and joy!