As well as remembering the rules of the road, oh, and putting your hazard perception skills into practise, as a new driver it’s important you take a few pointers before and after you purchase your new ride.

The freedom of being able to sail through the traffic, without your instructor analysing your every move, is exhilarating. Many drivers put money aside for a car, ready for when they pass their test. However, what most new drivers forget is how costly car insurance can be. You may well see a cheap car on AutoTrader, but realistically, how much is your insurance going to cost you for the year? It’s factors like these that you need to consider before deciding on your first car, which is why we are here to help.

It’s common for new drivers to ask: “How much is car insurance for new drivers?”, because unfortunately there’s no set answer. Insurance policies for new drivers can be pricy, purely because you have no history to prove that you are a safe driver, and are more vulnerable than any other driver on the road. However, there are things you can do to lower insurance premiums as a new driver. To help you out, we’ve created some handy car insurance hacks that will help to lower your car insurance costs.

  1.         Don’t be greedy: choose a car that’s cheap to insure

Purchasing your first car is exciting; it confirms your independence. When browsing the web to find a car you can see yourself driving, don’t dive in head first. Instead, consider how much you are prepared to pay for insurance and work from there.

When you’re looking to buy a car, the price will not differ depending on your age or experience with driving; a car is simply a set price for anyone and everyone, young or old. However, your insurance for that car will differ in cost as a new driver, compared to someone with years of experience behind them. If this means having to wait to purchase a bigger and better car, then so be it – your insurance for your dream car can be a fraction of the price once you are a more experienced driver.

  1.         Don’t pimp out your ride

When buying your first car, it becomes all too easy to get carried away with decorating your car, to make it personal to you.

Just think to yourself, are these small and personal fixtures to your car really necessary? Yes, they will make your car original, and look pretty cool, but what won’t be cool is your bank balance when you realise how expensive your car insurance is because you’ve added new alloys and blackout windows.

  1.         Consider black box insurance

So, what is black box insurance? Well, this clever little box monitors your driving, saving information on how you drive on a day-to-day basis to keep your car insurance costs down.

Black box insurance monitors how safely you drive by monitoring your speed, time of travel and reactions to traffic; the safer you drive, the cheaper your car insurance will be. Basically, you are rewarded for safe driving, so long as you follow the rules appropriately.

  1.         Add a named driver

When you’re a new, young or inexperienced driver it’s a great idea to add a named driver to lower high car insurance costs. However, choose your driver carefully; if your dad has a need for speed, he might well increase your insurance costs instead of lowering them. Remember, the additional driver is there to help you save money and they must then be a safe driver with no previous driving convictions.

You should always be registered as the main driver for your car, and while having an additional driver is a real a help to your insurance costs, you should only consider this option if your chosen driver is going to drive your car every once in awhile.

  1.         Compare car insurance

When you go shopping, you don’t always purchase the first item you see; you shop around, which is exactly what you should do when looking to insure your first car.

As simple as it may seem, it’s essential that you check out the different car insurance deals available to you, online. Comparing different car insurance quotes will help you find a deal that’s suited to your needs and your price range.

This should not be constructed as advice and is guidance only.