Drivers Insurance For New Drivers

Choose cover from 30 days to a year.

Drivers insurance for new drivers. We checked and car insurance for first time drivers costs about 1 000 in their first year of driving. Unfortunately new drivers will pay above average premiums for their auto insurance policy since they lack driving experience. Each of these first time drivers faces a similar challenge when it comes to finding cheap car insurance. As you become more experienced on the road your premiums will go down.

It s not all bad news though by offering insurance with a black box we can offer a more tailored insurance premium rather than one. The challenge isn t exclusive to newly licensed teens and young adults older drivers who just received their drivers licenses may face the same higher costs. As a new driver you ll pay more for your cover for two reasons risk and inexperience. The best insurance for new drivers is often higher than an established driver s because car insurers consider new drivers who don t have a track record as riskier to insure.

Insurers calculate a driver s premium based on their perceived risk many different factors are considered when assessing risk such as the driver s age and experience the type of vehicle they drive and where the vehicle is parked at night. Car insurance premiums are higher for new drivers but you can still lower the cost of cover if you do the following. Student driver insurance gives university and boarding school students 7 14 21 or 28 days cover to borrow a friend s or family member s car in the holidays. Learner driver insurance covers provisional licence holders to drive a friend or family member s car for driving practice before the driving test.

New drivers and risk. As a new and inexperienced driver you re statistically most likely to be. You can also save on car insurance premiums by paying for 12 months insurance all at once. Buy a sensible car.

This can include newly licensed teenagers people who obtained their driver s license later in life or drivers new to the u s. In auto insurance terms a new driver is someone with no driving history or insurance record. Insurers can monitor your driving habits with telematics hardware so sensible drivers earn lower premiums. However factors such as age plus a few other tricks may help new drivers find a cheaper quote for their car insurance.

It s a sad fact that there is a direct correlation between young drivers and car accidents so some insurers quote new drivers sky high premiums based the statistics on the majority. After a certain number of years of accident free driving you ll likely qualify for a safe driver discount.