If you are new to driving it would be better, unless you have big money, to begin with a car from the lower insurance group. If you can build up and maintain a no-claims profile without having penalty points, you have to be able to move up the vehicle insurance groups without significantly boosting your premium.
The idea is the fact that cheap car insurance for young drivers ought to be competitive because you are cutting out the middleman, hence the insurer can pass the savings on to you. However you should do the leg-work though, which can take a few hours, nonetheless it will be time wisely spent. You should call a minimum of three insurance companies before deciding on a policy. And remember that you could often save between 10% and 20% on the internet. Most insurance companies offer cheap car insurance for first time drivers online. When you get a telephone quote you will need to check you are not missing a deal which you can only get online, even through the same insurance company.
There's no shortage of websites which will let you compare automobile insurance policies and prices between different car insurance companies. But for the greatest possible deal, you'll need to spend a few minutes making sure that you are answering all of the questions correctly when you jump online.
Don't believe, however, that you can get away with only investigating comparisons on one website. Each website only compares a tiny handful of insurance companies. In the event you really and truly want to make sure that you are getting the most beneficial deal possible on the car insurance, then you really should bite the bullet and take the extra time to make the identical comparisons on at least 3 different websites.
A different way to secure cheap car insurance for brand spanking new drivers is to pay up front for the policy. Paying by monthly instalments might appear to be the cheaper option however, many insurers will charge interest around the payments (up to 25% APR) which could effectively clear any perceived savings you have made on the policy.
Also consider adding breakdown cover on the policy if provided by the insurer since this could save you a lot of money in the long run and is usually quite economical considering the peace of mind it delivers. You save $50-$100 by getting your breakdown cover this way.
So, before purchasing low cost car insurance for young drivers it might be wise to view the car insurance groups that a particular car falls into. These car insurance groups classify cars in a very certain level of insurance and each car is assigned a bunch starting from one and ending at twenty. Getting a car relative to the most cost effective group would be a more sensible approach to saving money on insurance.