It is a common problem of the young drivers that even after paying for the expensive driving tests and lessons, they become unable to get cheap new driver car insurance best quotes. It is because, as per the insurance companies, the young and new motorists are more likely to get involved in the accidents, so the insurers cover the additional risk with higher rate of premiums.
So, if you have the question how much does new driver car insurance cost, then the answer will be that there are a number of things on which the insurers base the premiums. Understanding all these factors will definitely help you to get cheaper auto insurance quotes:
- The vehicle you are planning to insure: The details of the vehicle that you are planning to insure like its engine size, age, average repair cost and the value will contribute a lot to the recommended insurance group of that car. Then these groups will contribute towards the premiums, with the lower groups commonly meaning cheaper quotes.
- The type of coverage you are in search of: Whether you are in search of a long term or a 30 day car insurance cover under 21 or whether you are in search of a third party, comprehensive, third party fire and theft, the coverage level you will choose would influence the price. But the comprehensive covers are not the most expensive ones always. Therefore, you must check all the details before you purchase.
- Information about you: Not only the details of your vehicle, but some of your personal details like your age, how long you have been driving the car, where you live, whether you have any driving convictions, number of claims you have made, number of years no-claim bonus that you have are some of the factors that the insurers often take into account.
- The excess level you are in search of: The excess is the amount that you agree to pay in case of any claim, before the insurer starts picking up the cost.
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