Passing your driving test is a fantastic feeling for new drivers but the ticket to freedom can be hindered by the search for affordable car insurance cover.
Without a no claims history built up and limited driving experience, new drivers can be faced with high premiums from insurers. However there are some ways that new drivers can help reduce their car insurance premiums.
Pass Plus is a course designed to give young, newly-qualified drivers the chance to build upon existing skills and knowledge and gain experience to drive more safely in varied driving conditions.
The Pass Plus course consists of six practical modules including dual carriageway and motorway driving and all weather driving, to night time driving, and driving on urban and rural roads. After completing the course, there is no test to take; you simply receive a certificate which is accepted by participating insurance companies as a way to claim discounts for young drivers looking for car insurance.
One of the best ways to help reduce insurance premiums for new drivers is to build up several years of No Claims Discounts by driving sensibly, carefully and safely.
Responsible driving, keeping within the speed limits and at speeds appropriate for the road conditions, along with less forced hard braking or acceleration will also result in lower fuel costs.
Some insurers also offer schemes which use technology fitted to the car to record key indicators about the how the car is being driven including speed, acceleration, cornering and braking. These schemes may enable some drivers to get cover or reward sensible driving with insurance discounts. If the driving style does not fit within permitted parameters then the driver could incur increases to their insurance premium.
Other insurers may require new drivers or young drivers only to drive at certain times of the day and avoid higher risk times (for instance not driving between the hours of 11pm and 5am).
Any additional driving training that new drivers can take will not only help build up driving experience but could also help reduce insurance costs.
Techniques learned as part of additional driver training such as the AA Smart Drive course can lead to safer driving, improved fuel efficiency and lower fuel costs.