How To Reduce Your Insurance Costs As A First Time Driver

Learning to drive and running a car is expensive. You’ve got to pay for the car in the first place, buy your insurance and then pay for all of the fuel. The insurance is one of the biggest yearly expenses and reducing it is a priority for everybody, but it’s especially important for first time drivers. Younger drivers or even older first time drivers end up paying a lot more than experienced drivers for their insurance and for some people, it makes driving completely unaffordable. But luckily for you, there are some simple ways that you can reduce the cost of your insurance and make it more manageable.

Get Your License Early

The longer you’ve been driving, the cheaper your insurance will be. If you get your license right before you buy your first car and hit the road, it’ll be more expensive. But if you get your license early on and get a few more years experience under your belt before getting your own car and driving it, you can cut the costs. You can go to an online driving school to help you get your adult license from the age of 14. You can’t get a license yet of course, but you can do some of the modules and then when you come of age, you’ll be able to get the rest of your license right away. Having experience from a young age will bring those insurance costs down quite a bit.

Pay It All Together

Most insurance companies offer you the choice of paying a years insurance all together as one lump sum or split it into monthly installments. Paying it in installments seems like the obvious choice because you don’t need to save it all up right now, but the only problem with that is it’s going to cost you a lot more. If you add up the monthly installments, they total a lot more than paying it all in one go. You might have to hold off on driving for a couple of months while you save up the cash, but you’ll save quite a bit by doing it that way.


Most people use comparison sites when they’re looking for car insurance which is always a good idea. You’ll be able to check to see which is the cheapest price out there, but you shouldn’t stop there. Those prices you get from the comparison sites aren’t the cheapest possible price you can get. A lot of insurance companies are willing to be flexible on those prices so instead of just buying the insurance online, call them up and ask if they’ve got any deals.

Get The Right Car

Insurance companies worry about first time drivers behind the wheel of a particularly powerful car so they’ll bump the price up accordingly. While you might want a fast car, it’s not going to do you any favours. Show a bit of restraint and get something smaller and less powerful, you’ll see a huge drop in the amount you’re paying for insurance.

Follow these steps and reduce your insurance costs and you can take a lot of the hassle out of being a first time driver.

Previous Story
Next Story

You Might Also Like