You’ve suffered the emotional agonies of one of your parents teaching you how to drive or shelled out cash for one of the local driving instructors to show you the standard routes used by the testers. Now you’ve passed the test, you have the problem of finding something to drive. Of course, your parents may continue to solve the problem by adding you to the family car policy. In the short term, this is the least bad option because, as an occasional driver, your mileage is reduced and the chances of an accident smaller. But this is not necessarily the best strategy for the long term. Many insurers do not give you any credit when you’re a named driver on your parent‘s policy. That means you will only start to earn that vital no claims bonus when you have the policy in your own right. So even though you might have two or three years of experience following your successful test, you might still start at the gross annual premium amount when the policy finally comes into your name. Be careful when you shop around to ask whether any credit will be given for being accident free while driving your parents’ car.
Now think about the make and model. Although you probably like the idea of something swish and sporty, this is going to cost you too much to insure. Cheap car insurance only comes your way if you pick a car with a low group membership. Check carefully how easy it is to obtain branded spares and whether local garages can do maintenance and repairs. If you’re forced into the big dealer chains for repairs, this can be significantly more expensive to insure. The best cars to look at are from the range of Ford Fiesta, Vauxhall Corsa and Renault Clio. Avoid the souped-up models and you’re in the right zone for a cheap car insurance quote. Alternatively, instead of buying a newish car, look for a classic car. If you join the local owner’s club, you can often pick up a well-maintained older vehicle that’s very cheap to insure. Collectors look after their cars and drive them carefully. If you follow their example, you’ll avoid high annual premiums and have fun.