When you are looking for car insurance as a new driver you need to make sure that you compare form a range of insurance quotes before making your final decision.

Keep in mind that insurers base risk policies on the history of claims in the industry, the age of the driver as well as the length of time for which a driver has been driving, among other factors.

New drivers may be charged higher insurance premiums because they are considered a higher risk. These drivers may be considered to be more reckless (especially if they’re young) and they are more likely to get into an accident. In South Africa, once you pass the age of 25 years, your premiums will become cheap to some degree.

Experts say that a new driver is more likely to have an accident in the first year after passing their driving test.

There are ways to improve your rating as a new driver and to potentially reduce your insurance premiums:

Obtain a defensive driving course certificate

By going on and advanced driving course for example, you may pose a lower risk to insurance companies.

Choose a car with lower kilowatts.

The more expensive your car, the bigger motor it has, the more power it has, the higher your premium will be. By getting a smaller, low-maintenance car you will be regarded as a lower risk client.

Consider a Pay-As-You-Drive option.

The less time you spend on the road the less likely you’ll be involved in an accident. If you are financing your car through the bank though, you may be required to get a Comprehensive Insurance policy.

Choosing to pay a higher excess may result in a lower premium

Enhance the security features on your car

Focus on building a safe driving history