If you're new to driving it could be better, unless you have plenty of cash, to begin with a car coming from a lower insurance group. If you're able to build up and maintain a no-claims profile without penalty points, you need to be able to move up the auto insurance groups without significantly replacing the same with premium.
The idea is the fact that cheap car insurance for young drivers ought to be competitive because you are removing the middleman, and so the insurer can pass the savings on you. However you will have to do the leg-work though, which could take a few hours, but it will be time spent well. You should call at the very least three insurance companies before selecting a policy. And remember that you can 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 will want to check you are not passing up on a deal which you can only get online, even from your same insurance company.
There's no shortage of websites that can let you compare automobile insurance policies and prices between different motor insurance companies. But for the greatest possible deal, then you need to spend a few minutes making sure 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 tiny handful of insurance companies. In case you really and want to make sure that you are getting the very best deal possible on the car insurance, then you really need to bite the bullet and consider the extra time to make a similar comparisons on no less than 3 different websites.
Another way to secure cheap car insurance for first time drivers is to repay front for the policy. Paying by monthly instalments can happen to be the cheaper option but many insurers will charge interest on the payments (up to 25% APR) and also this could effectively clear any perceived savings you have made on the policy.
Also attempt to add breakdown cover towards the policy if offered by the insurer as this could save you a lot of money in the end and is usually quite cost-effective considering the peace of mind it delivers. It will save you $50-$100 by getting your breakdown cover using this method.
So, before purchasing cheap car insurance for young drivers it could 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 every car is assigned an organization starting from one and ending at twenty. Investing in a car relative to the most affordable group would be a more sensible approach to saving money on insurance.