Tips For First Time Learner Drivers
So you’ve passed your theory test and got your learner permit. Congratulations! Next step is getting insured for the first time. Here at Simply Insure, we know getting on the road for the first time can be pretty expensive so we’re here to simplify things for you and save you money!
Getting your premium down
Generally, First-Time car insurance can be pretty expensive for a number of reasons. Not having a No Claims Bonus or not having any Named Driving Experience, can also affect your premium greatly. Luckily, we have some tips to help get your premium down!
· Choose your first car wisely. Smaller cars with smaller engines are generally a lot less expensive to insure and are more cost efficient to run, win win!
· Make sure you talk to a broker about what cover you actually need and they can advise you appropriately so you won’t end up paying extra.
· Keep up-to-date on the resale value of your car, you might be over-insuring it!
· Improve your cars security by installing an appropriate car alarm could help to reduce your premium.
· Calculate how many kilometers you would drive in a month and multiply by 12, you could be over-estimating your mileage and paying extra for it!
· Be careful if buying a car with unnecessary modifications, eg; body kits, modified and re-tuned engines etc. as they might increase your premium significantly!
· Try adding a driver with recorded driving experience to your policy, this might help in bringing your premium down. Examples, parent, partners or spouse.
· Choosing a higher voluntary excess will help to bring down the cost of your car insurance premiums because the insurer won’t have to pay out so much in the event of a claim. But, on the flipside, this means that you’ll be the one coughing the extra cost if you have to claim.
· Check with your broker if there are any discounts given for bundling your insurance together, such as car and home, this might help get you a cheaper premium.
· If you get your 12 certified lessens from your driving instructor, make sure to mention this to your broker as this could lead to a reduced premium.
Know the Law
Penalty points can also impact your premium greatly, so know the law so you can avoid getting them.
Failure to display L-plates will get you two penalty points. Driving unaccompanied by a full-licence driver if you only hold a learner permit is also worth 2 penalty points. Remember that penalty points are usually accompanied by a hefty fine so best be cautious! Speeding is another one to watch for.
Luckily, An Garda Síochána have made available a number of safety camera locations, which can be seen here http://www.garda.ie/GoSafe.htm
Full list of road safety rules and list of offences that incur penalty points can be found here http://www.rsa.ie/RSA/Licensed-Drivers/Penalty-points/
Fronting, be careful
What is fronting? Fronting is an illegal car insurance practice whereby an older driver – often a parent – tries to save money by saying they’re the main user of a vehicle driven by a younger or other high-risk motorist.
For more advice on how to save you money and get you motoring, why not get in contact with us today.