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Guide to insuring your first car

Guide to insuring your first car

Buying your first car can be a daunting process, but so can looking for car insurance. The amount of money you might be asked to pay can be staggering, particularly for young drivers who have just passed their tests.­­­

While you might think that car insurance is something you don't need to think about until you have a car sorted, the amount you pay on your insurance can be dependent upon the type of car you buy, so it's important to consider both aspects at the same time.

Here are some top tips for how to ensure you pay a reasonable price when taking out your first car insurance policy.

Think about what type of car you buy

As stated above the type of car you choose to buy will affect the amount you pay on your car insurance. Higher value vehicles will cost more to insure as they cost more to repair in the event of an accident. However, a cheap car doesn't necessarily mean a low insurance policy - high power vehicles (even if you have brought it cheap) aren't unlikely to come with an affordable policy. Our extensive range of first cars have been specifically identified as vehicles which are easy to drive for first time buyers and ones which cost a reasonable amount to insure.

Type of insurance

There are three types of car insurance so don't be fooled into thinking that you must purchase the most expensive type. It's all about determining what level of cover you need and how much you would be prepared to pay in the event of something happening to your car. The three types of car insurance are:

Third-party only - this only covers you against damage to other people, cars and property. If your car got damaged you would need to pay for it yourself.

Third-party, fire and theft - same as above but it covers your car if it's in a fire or stolen.

Comprehensive - this covers everything including any damage your car sustains in an accident. 

Remember, with whatever level of cover you choose you will always be asked to pay excess and voluntary excess. This is an amount you will need to pay before the insurance company pays any money themselves. Having car insurance in place does not mean you won't need to pay anything in the event of an accident. 

Comparison sites

Make sure you shop around and don't just use one comparison site. The most popular are ones such as Money Supermarket and Compare the Market, but some insurers such as Direct Line don't sell through comparison sites so you need to go to them directly. Yes, it can feel like a pain to put in your details over and over but spending even just 30 minutes of your time on the internet doing these searches could save you a great deal of money.


If you think that now is the time to get your first car, contact us today and to explore our range of used cars click here.

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