Car Insurance Choices for Young and First-Time Drivers
There is simply no avoiding it. One of the greatest costs in learning how to drive is your car insurance. And this is one expense that no learner or newly qualified driver would dare to go without. Despite being against the law to drive without insurance, a comprehensive car insurance policy offers you all kinds of protection as you take to the roads for the first time. Whether you’ve just started to learn or you’ve just passed your first driving test, there are a few options to consider when shopping around for your first car insurance policy, some of which could save you a considerable sum. Here’s a look at a few of the most important considerations:1. Watch out for new promotions. Companies such as Santander offer their
car insurance customers new promotions all the time. There is currently a
Tom-Tom SatNav device on offer to all new car insurance clients. Keep your eyes open for promotions and introductory offers that could help save you money either on your insurance or on motoring related expense and accoutrements. 2. Named driver or individual policy? In the beginning, most people will be insured as a named driver on a vehicle that primarily belongs to someone with a good deal more driving experience. This is usually the cheapest way in which to ensure a young driver. There is a downside, however. For as long as you are a named driver on a car, you do not have the insurance recognition required to start accruing your own no claims bonuses. Even if you have never so much as scratched your car, until you are the main driver on a vehicle no no-claims privileges will be yours. 3. Pass plus. Not only will a pass plus qualification help to give you greater confidence on the road and better training in dealing with things like motorway driving and slip roads, it can also help to reduce your insurance premiums. The successful procurement of a pass plus certificate will help to prove greater driving skill and experience and lower your risk category on the roads.
