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If you are new to driving it might be better, unless you have plenty of cash, to begin with a car from the lower insurance group. If you possibly could build up and maintain a no-claims profile with no penalty points, you should be able to move up the vehicle insurance groups without significantly boosting your premium.

first time driver - what type of insurance do i need?

The idea is that cheap car insurance for young drivers should be competitive because you are cutting out the middleman, therefore the insurer can pass the savings on you. However you should do the leg-work though, which could take a few hours, however it will be time well spent. You should call no less than three insurance companies before selecting a policy. And remember that you could often save between 10% and 20% by going online. Most insurance companies offer cheap car insurance for first time drivers online. So if you get a telephone quote you'll need to check you are not missing out on a deal which you can only get online, even from your same insurance company.

There isn't any shortage of websites that will let you compare auto insurance policies and prices between different car insurance companies. But for the best possible deal, you will want to spend a few minutes making certain that you are answering all of the questions correctly when you jump online.

Don't even think, however, that you can get away with only investigating comparisons on one website. Each website only compares a little handful of insurance companies. In case you really and want to make sure that you are getting the most effective deal possible on your own car insurance, then you need to bite the bullet and consider the extra time to make the same comparisons on at the very least 3 different websites.

first time driver - what type of insurance do i need?

Another way to secure cheap car insurance for brand spanking new drivers is to pay up front for the policy. Paying by monthly instalments can happen to be the cheaper option but many insurers will charge interest for the payments (up to 25% APR) which could effectively clear any perceived savings you made on the policy.

Also consider adding breakdown cover on the policy if made available from the insurer because this could save you a lot of money in the long run and is usually quite economical considering the peace of mind it delivers. You can save $50-$100 by getting your breakdown cover this way.

first time driver - what type of insurance do i need?

So, before purchasing cheap car insurance for young drivers it would be wise to view the auto insurance groups that a particular car falls into. These car insurance groups classify cars inside a certain level of insurance and each car is assigned a group starting from one and ending at twenty. Investing in a car relative to the least expensive group would be a more sensible strategy for saving money on insurance.