There is no doubt that getting our fist driving license and taking ownership of our first car is one of the highlights of our youth. But prior to going for a drive on the road unaccompanied you will need to be certain you are covered by the correct type of car insurance policy. You should not even consider driving without such a cover as if you were stopped by the police you could be fined heavily and may even lose your license.
Unfortunately the problem is that the cost of insurance for a young driver is often astronomical. This is because most insurers would believe that a novice driver is much more likely to be involved in an untoward situation and make a claim. This is actually true. There is data that clearly shows a correlation between accidents and newly qualified drivers. It can be put down to a young person unable to take the correct defensive action and also as they would not be so familiar with signage and road layouts.
The advice and tips that follow should help in bringing down the cost of your insurance, not by a few bucks but by hundreds of dollars.
If you are still living with your parents then it may be worth asking them if you can be included in their insurance premium. Of course this will increase their costs but not by as much as it would to start a brand new policy in your name. But be warned, if you choose this option and then had an accident the tension it would cause can be extreme to say the least.
Do you get good grades in college? If you do then you should be able to get a better deal when it comes to car insurance? Most insurance companies are under the belief that students who are hard working are also better drivers than their class mates.
If you were going to call up the most well known insurance firms for a quote than save yourself the effort, they will not offer you a good deal. Instead search for niche companies that specialize in cover for young drivers. The more firms you check out the greater the chance of locating an excellent deal.
The best approach to take is often to visit an online insurance comparison website. These can search a massive database of quotes and premiums to provide you with information that would save you a lot of money and effort.
Finding car insurance coverage online is as easy as one, two, three. Get the inside scoop on the best coverage in South Africa now in our complete car insurance guide.