Getting your driver's licence is an exciting time in any young person's life, and new drivers have a lot of things to think about in their first months behind the wheel. While having the freedom to go where you want is an exhilarating feeling, many young drivers feel overwhelmed with the responsibility associated with driving and buying their first car and knowing the ins and outs of insurance costs.
Taking the time to prepare and educate yourself about everything associated with driving can help you feel confident every time the keys are in your hand.
Insurance premiums for young drivers can be expensive, but there are a few things you can do to help minimise your costs in your first years on the road. Part of the reason insurance for young people is so expensive is because of their inexperience. Young people have a reputation for being more inclined to speed or behave recklessly behind the wheel, and their insurance premiums reflect that. Driving safely and keeping your driving record clean will help to keep your insurance down, and in your first years with a license if you can avoid accidents and tickets your insurance premiums will eventually decrease.
With regards to car insurance, you can also save money based on what kind of car you end up driving. Speaking to family members with more driving experience than you can also help you be aware of the questions you should be asking your insurance provider regarding what cars are cheapest to insure, and they can also help walk you through the process if you're having any difficulties.
When you're learning to drive, taking defensive driving lessons is an excellent way to practice driving and learn tips to help keep you safe on the road and expect the unexpected. Passing a defensive driving course that is approved by your insurance provider may also give you access to discounted rates because your insurance provider will have confidence that you have the skills you need to drive safely.
Once you have your license if you're also considering buying a car, by selecting the make and model of car carefully you can also help lower your insurance costs. Certain colours and makes of car attract higher premium rates because statistically speaking they are more likely to speed or be involved in an accident. Speak to the car dealer about cars that attract higher rates and avoid them if you can. Having an older car can sometimes also help lower insurance premiums because the cars are cheaper to repair and replace, and cars with added safety features can also work in your favour when it comes to your insurance costs.
Keeping these tips in mind when you're shopping for car insurance can help keep your premium as low as possible, and with that all taken care of you can focus your attention on the exciting new driving experiences that lie on the road ahead.
The author of this article is a part of a digital blogging team who work with brands like Admiral. The content contained in this article is for information purposes only and should not be used to make any financial decisions.
