If you are new to driving it will be better, unless you have plenty of cash, to begin with a car from a lower insurance group. When you can build up and maintain a no-claims profile without penalty points, you need to be able to move up the auto insurance groups without significantly replacing the same with premium.
The idea is the fact that cheap car insurance for young drivers should be competitive because you are reducing the middleman, and so the insurer can pass the savings on you. However you will have to do the leg-work though, which may take a few hours, nonetheless it will be time spent well. You should call at least three insurance companies before selecting a policy. And remember that you can often save between 10% and 20% from the internet. Most insurance companies offer cheap car insurance for first time drivers online. So if you get a telephone quote then you need to check you are not missing a deal which you can only get online, even from your same insurance company.
There is no shortage of websites that may let you compare motor insurance policies and prices between different auto insurance companies. But for the best possible deal, you will need to spend a few minutes guaranteeing that you are answering every one of the questions correctly when you jump online.
Don't think, however, that you can get away with only considering comparisons on one website. Each website only compares a smaller handful of insurance companies. In case you really and truly want to make sure that you are getting the most beneficial deal possible on your own car insurance, then you need to bite the bullet and take the extra time to make a similar comparisons on at the very least 3 different websites.
Another way to secure cheap car insurance for brand spanking new drivers is to settle front for the policy. Paying by monthly instalments can happen to be the cheaper option however, many insurers will charge interest for the payments (up to 25% APR) which could effectively clear any perceived savings you have made on the policy.
Also consider adding breakdown cover for the policy if made available from the insurer because this could save you a lot of money over time and is usually quite economical considering the peace of mind it delivers. You can 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 automobile insurance groups that a particular car falls into. These auto insurance groups classify cars in the certain level of insurance and each car is assigned friends starting from one and ending at twenty. Buying a car relative to the most affordable group would be a more sensible approach to saving money on insurance.