Average First Time Driver Insurance Cost

Introduction

Are you a first time driver? If so, you may have asked yourself the question – How much does first time driver insurance cost? Well, the truth is that the answer to this question is not a simple one and depends on a variety of factors. Generally, the cost of first time driver insurance is higher than that of experienced drivers, as insurers see them as a higher risk. Furthermore, the type of car you drive, your age and other factors can affect the cost of your insurance policy. In this article, we will discuss some of the factors that will affect the cost of your first time driver insurance and provide some tips to help you get the best deal.

Factors Affecting Your Insurance Cost

The cost of first time driver insurance is affected by a range of factors, including your age, the type of car you drive, the location you live in and your driving record.

Younger drivers are often seen as more of a risk by insurers and as such, first time driver insurance for those under 25 is often more expensive. Similarly, the type of car you drive can have an impact on the cost of your insurance – performance cars are generally more expensive to insure than smaller, more economical models.

Location is another factor that can affect the cost of your insurance. If you live in a city, then you are likely to pay more for first time driver insurance due to the higher risk of accidents. Similarly, if you have a poor driving record, or have been involved in accidents in the past, then you could be seen as a higher risk by insurers and this could lead to higher premiums.

Getting the Best Deal

When looking for first time driver insurance, it is important to shop around and compare different policies to ensure you get the best deal. As mentioned above, your age, the type of car you drive and your location can all affect the cost of your insurance and so it is important to take these factors into consideration when looking for the best deal.

It is also worth considering additional features such as breakdown cover, legal cover and courtesy cars. These features may cost more but could be worth it for the peace of mind they offer. It is also worth looking for discounts and special offers, such as multi-car or multi-policy discounts.

Finally, you should always read the terms and conditions of any policy you are considering, to make sure you understand what is and is not covered.

Conclusion

In conclusion, the cost of first time driver insurance varies and is affected by a range of factors such as your age, the type of car you drive and your location. Shopping around and comparing different policies is the best way to ensure you get the best deal. It is also worth considering additional features such as breakdown cover, legal cover and courtesy cars. Finally, make sure you read the terms and conditions of any policy you are considering, to make sure you understand what is and is not covered.