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You did it! You've passed your test and now you're on your way to getting your first car. Let's face it, your first car insurance policy isn't likely to be as cheap as your parents' policy, but there are things that you can do to cut the cost, even if it is your first time on the road.
First up, you need to know what factors influence insurers when they're deciding how much your premium should be. Basically, they're looking at how much of a risk you pose to them as a driver, and how likely it is that you're going to end up in an accident, or the victim of car theft or damage.
Insurers look at lots of personal factors that you often can't do much about, short of some drastic measures like a sudden career change or inventing time travel. These are things like marital status, where you live, your profession, and your driving history.
As well as finding out about you, insurers also want to know as much as they can about your car, as some are far riskier to insure than others. Now this is an area where you do have some control. The car you choose to drive will impact on your insurance premium. So when you're going car shopping bear the following factors in mind – it might mean you end up in a Ford not a Ferrari, but at least your insurance will be more affordable:
All cars belong to an insurance group, decided on by the Group Rating Panel, which includes Insurance industry experts. All of the factors above are taken into consideration and cars are given an insurance group number from 1 to 50. The higher the number the riskier it is to insure, and so the higher the premium. So, if you're looking to cut insurance costs look for a motor that's in the lower insurance groups.
Pass Plus is a practical training course designed to help new drivers enhance their road skills and drive more safely. Passing a Pass Plus test can lead to insurance discounts too. With Marmalade, it won't lead to an initial discount, but if you pass and drive safely for the first year you're on the road, then you're likely to be offered a more favourable premium at renewal.
Our New Driver Insurance (your car) provides fully comprehensive cover on cars up to 15 years old, giving you the freedom and re-assurance to get set for the open road in your new car!