Auto insurance for younger drivers

All drivers need to be covered for their car. Even though you are learning to drive you must have a valid insurance certificate insuring you for third party responsibility.

Drivers with only a temporary licence can find few auto insurance companies are just unable to put forward a quotation, and others are terribly expensive for beginner driver auto insurance. Beginner drivers often presume that immediately they pass their test their auto insurance will be inexpensive. Unfortunately this is barely ever the case, new drivers buying auto insurance still have little driving experience so they are still considered a very high risk.

There are quite a few companies who focus on auto insurance for learner drivers. But when you start shopping around, first of all make a list of what you need from your auto insurance.

• Talk to your friends. Have any of them come across any insurance companies that have cheaper quotations for beginner drivers with a temporary licence?

• Check our buyers guide to cover types to see which level of cover is best for a learner driver

• Read the benefits. As a learner driver would you put your car in with an approved repairer in order to take advantage of a courtesy car?

• Cover your car on your own name in order to start building up no claims bonus (after one claim free year you could get a 30% discount at renewal)

• Look for companies offering a pass plus discount. If you take the pass plus course after passing your driving test, some auto insurance companies will give you a discount. But don’t take it for granted that the final price quoted is the best!

Auto insurance for younger drivers with driving convictions

Figures show that young inexperienced drivers are at a high risk of accidents, drink drive more and get more convictions than other groups. Furthermore the number of uninsured drivers in recent years has gone up and a lot of people have points on their licence due to speeding offences.

Young drivers with some punishable points for speeding can generally expect an boost in their insurance premiums. When you apply for young driver auto insurance you must inform the insurance company of any convictions that are not spent. This applies to renewing auto insurance as well as taking out new policies.

Clearly the best recommendation we can give young drivers is to drive carefully and sensibly, not just to avoid convictions and get the low-priced young driver insurance, but to avoid accidents that could cause serious injury or even death.

• New driver auto insurance
• Young male driver auto insurance
• Young women driver auto insurance
• 17 year old driver auto insurance
• 21 year old driver auto insurance
• Auto insurance for younger drivers with a temporary licence