Beginner Drivers, Learner Drivers, New Drivers and Young Drivers Tips

There are several things you can do as an inexperienced driver to help reduce the amount you pay for your UK car insurance premiums. The best way to make true savings is to actually get your own insurance cover from the very beginning. That's right, I hear you say "What are you crazy? I am on my parents insurance as a named driver and that is how I SAVE money on my motor insurance!"

Well perhaps I am a little crazy about car insurance, but that only means that you will pay more for your insurance when you do eventually move out the parents house and then you start with big monthly rent bills, food, expensive gas and electric monthly bills and car insurance with zero no claims bonus. The way I see it, your now potentially most in need of saving a few quid on the old car insurance quotes than ever before. Wouldn't it make more sense to bite the bullet while your living at home and reap the rewards later when you move out and have to content with the 101 other expenses your going to face?

If after driving for few years you have not had to make any claims against your car insurance policy, you will qualify for the No Claims Discount, which will save you up to 60% on your premiums over a few years!

Consider:-

• Take the "pass plus test" to increase your driver's qualifications and reduce your premium
• Choose a 1 liter car instead of a larger car as the cost to insure a smaller car is less
• Keep your driving record clean by avoiding license points and on the spot fines
• Limit the distance you will drive over the next year. Lower mileage often means lower premiums
• Offer to pay a higher excess. This reflects well on your intentions not to make unnecessary claims
• Install an Approved Immobiliser or Alarm. The cost could be partly offset by the insurance premium reduction
• Be insured as a secondary driver with a more experienced driver and you could save money.

There are several companies who specialise in providing UK insurance cover for younger or the more inexperienced drivers, but that doesn't necessarily mean they can provide you with the cheapest rates. Always take the time to shop for your insurance cover and you should find a low rate premium even if it is not the most comprehensive cover there is.