Cheap Car Insurance Quotes for New Drivers

The premium to be paid for a car insurance policy is calculated on the basis of the chances of the driver getting involved in accidents. Unfortunately, it has been observed that the young drivers more accident prone than drivers above the age of 25. This is why receiving cheap car insurance quotes for these new drivers can sometimes be an uphill task. However, the good news is that it is not impossible to get cheap rates even for these drivers if certain critical points are properly taken care of.

Most of us know that inexpensive car models are cheaper to insure. The new drivers are, therefore, advised to buy a small and cheap car if they are looking for cheap car insurance quotes from the insurance companies.  Some young car owners tend to make modifications to their car after buying an inexpensive car in order to make it look impressive.  These types of modifications can also diminish the chances of receiving cheap car insurance quotes.

There are many good additional driving courses that can be helpful for the young drivers. A certificate from these driving institutions is approved by the leading insurance companies, and sizeable discounts are offered to drivers having these certificates. However, all insurers may not recognize the same institution or certificate. Young drivers may find out about the courses recognized for maximum discounts by getting in touch with the insurance companies in their area. Young drivers can do a great favor to themselves by maintaining a good driving record without any violations or tickets. Obtaining cheap car insurance quotes can become really difficult when a young driver has poor driving history.

A young driver must think about the type of cover that he/she needs. Comprehensive cover is generally the most expensive and covers both the car of the policy holder and the other vehicles. Third party insurance policies only protect the policy owner against claims made by the other party in case of an accident and are the cheapest alternative.

Young drivers their parents' cars may consider becoming a part of their parents' policy as a named driver. The cost of car insurance for a young driver can also be reduced by adding a second driver.

Cutting down the mileage of the car is another way to receive cheap car insurance quotes for driver without experience. Installation of safety devices like alarm and immobilizer are also helpful. Paying the premium for the whole year in advance can bring down the expenditure behind car insurance. Young drivers are advised to opt for higher excess to reduce the premium.