One of the most exciting and freeing feelings people know today is the independence that comes when they first become fully qualified to drive. Whether it’s at age 17 or 70 when you first get that shiny, full license your mind will immediately be drawn to going on that first driving adventure. Of course, that license isn’t the only thing you need to be road legal; if you aren’t insured then you could find yourself in many different forms of trouble so making sure you’re covered should be a top priority if you are just getting started out as a new driver. Luckily, we’ve got some top tips and information tidbits to help you get your first insurance policy to go with your first car.
Speaking of That First Car
The first thing that is worth considering when looking to take out your first car insurance policy is the car you’ll be driving will have a direct impact on what kind of quote you will be given for that policy. Simply put, if you opt for a fast sports car over something safer and more reliable like a five-door hatchback you can expect an insurance agency to see you as more of a risk, and there for charge you more for their coverage. Shop sensibly, do your research, and choose function over fashion when it comes to buying your first vehicle.
Modifying the Car Modifies Your Car Insurance
Just like the car itself affects how your insurance shapes up what changes you make to that car will also directly impact what type of insurance coverage you could get, and of course how much it could cost. Even cosmetic changes like alloy wheels could run you the risk of increasing your premiums by hundreds of pounds, and that is without even thinking about those modifications that directly affect the performance of the car. Just think, do you really need to have a new body kit or have the suspension lowered?
Talk to Someone with Experience
This one is very simple and very useful. Just talk to a driver with more experience. You probably know a friend or relative who’s been on the road a few years, right? Ask them for a bit of insight into what they do to shed some costs off their insurance policy. Better yet you can speak to an expert who will know the ins and outs of what policies are available for you to choose from.
Be Sure Your Coverage is Right for You
It sounds self-explanatory, but it is arguably the most important thing we can advise any new drivers, but above all else make sure that the coverage you get is exactly right for you. You will have to get van insurance if you own one but you will want to only have to be paying for what you actually need and want on your policy. Again, it sounds obvious, but it is very easy to let the seemingly overwhelming options suffocate you into making a snap decision that leaves you paying far more than you really need to.