Cheap Car Insurance for New Drivers

How to get cheap car insurance:

New drivers are considered high-risk by insurers, which is why their premiums are higher.

Pick one of the cheapest cars to insure as a new driver.

The more expensive your car is, the higher your insurance premiums will be.

Avoid car modifications

This is likely to increase premiums. In South Africa, with the high rate of hijackings and car theft in general, this may affect your insurance premiums significantly.

Get an extra driving qualification

If you can get an advanced driving qualification, this may reduce your premiums.

Consider paying an annual premium

If you can afford to, it’s much cheaper to pay yearly, rather than monthly

Consider increasing your excess

Choosing to pay a higher amount upfront if you make a claim can significantly reduce the cost of your car insurance

Think about the level of cover that you need

This way you can make sure that you are not over or under-insured. Comprehensive cover is normally the most expensive type of cover while Third Party Cover is the most basic level of cover you can get and is the cheapest type. It’s important that you don’t assume that Third-Party cover is the best insurance for you as a new driver. If you have bought a new car and you are a new driver, you will likely find that the financial institution that is financing the purchase will require that you get comprehensive cover.

Add the name of an older, more experienced driver to your insurance, as this may reduce your premiums quite a bit.

Increase the security features on your car and limit risk.

Make sure that you park your car in a garage overnight and that it is always locked wherever it is parked during the day.

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