So You've Got Your First Car, Now What Car Insurance (2024)

So You've Got Your First Car, Now What Car Insurance (1)

Posted in: Car Insurance, Motorway Driving, News.

So you’ve passed your test? Congratulations? It’s an amazing feeling to finally be able to independently drive on the road, without anyone looking over your shoulder. Many people who have just passed their test either have a car to get started in, or head out and look for a car so that they can enjoy their new found independence. But what now? You’ve been working for so long towards the goal of driving that you might be feeling a little lost as to what to do with yourself. Don’t worry, we’ve got you covered. Take a look at these ideas on what you can do after you’ve passed your test and bought your first car!

So You've Got Your First Car, Now What Car Insurance (2)

Photo by Alessio Lin on Unsplash

Plan a road trip

One of the first things that needs to happen, is you need to plan a road trip with your buddies. We don’t need to lecture you on how you should be safe on the roads because after all, it’s what you’ve been learning up until this point. Find a nice beach, pack the car and create a killer playlist so that you and your friends can finally have a trip away without having to rely on one of your parents. Be sure to pack your camera and plenty of supplies such as food and water so that you can have a road trip to remember!

Pimp your ride

Many people almost instantly begin thinking about how they can do up their first car once they’ve passed to make it more personal and also have your new car looking its best. Take a look at these ideas on how you can tastefully pimp your ride:

  • Buy some clip on alloys to attach to your wheels. Simply having matching alloys instantly improves the way a car looks. It’s fairly inexpensive and will wow all of your friends.
  • Treat yourself to a personalised car registrations plate that will make your car (and you) look super classy. Why not go for something with your initials in it, or a number that means something to you? Remember that with a personalised plate, you can transfer it to any car you have in the future too.
  • Tinted windows always look super cool, but did you know that they also help keep your car cool? Perfect for those cars that don’t have any air conditioning.
  • Steering wheel covers are a great accessory to help improve your car’s style, and also driving comfort too. Throw on some seat covers if your seats are worn and also some car mats and your look is complete!

Give back to your parents

Your parents have likely driven you to 1001 places in your teenage life so that you could hang out with your friends. Why not take the chance to give back to your parents by driving them around if they want to go out for the night, or even somewhere simple like the shops? It’s a great way of giving back to them, especially if they helped pay for your lessons and your test!

Save your no claims

We’re not saying that you’ll get into an accident, but minor scrapes and dents aren’t worth claiming for. Saving your no claims bonus will make your already very high insurance drop dramatically with each renewal. So, unless your car is a write off, it’s really not worth claiming!

Look after your car

One thing that many new drivers take for granted is their car. They think that now they’ve spent the money on one, that it will last for a long time before needing a repair. However, cars are actually very delicate bits of machinery, and if you’re not treating it with respect, it’s going to cost you. Make sure you’re pumping your tyres, checking your oil and water, and also driving it sensibly to avoid this happening to you.

Focus on your career

Finally, a massive reason that driving is useful is so that if career opportunities arise, then you will be able to travel to them if they are out of walking distance. Take this time now to focus on your career so that as time goes on, you can afford a nicer car and all of the costs that come with driving! Well done on passing your driving test, and enjoy your new found freedom!

Tags: Now What, So You've Got Your First Car

So You've Got Your First Car, Now What Car Insurance (2024)

FAQs

So You've Got Your First Car, Now What Car Insurance? ›

If your car is financed or leased, your lender will usually require you to carry comprehensive and collision coverage. But even if your car is paid in full, comprehensive and collision can be worth carrying as they can pay to repair or replace your ride if it's damaged or stolen.

What is the best insurance for first-time car buyers? ›

Our picks for the best car insurance for new drivers are State Farm and Geico. Both of these companies offer policyholders ways to save with student discounts and savings for insuring multiple cars.

What is the best car insurance for first timers? ›

Nationwide and Travelers offer the best car insurance for first-time drivers, regardless of age. Both providers offer comprehensive and affordable coverage, making them ideal for drivers seeking value and reliability.

Which do you get first the car or the insurance? ›

You'll need to secure auto insurance coverage before you can take your new car home if you're a first-time car buyer without insurance. Once you pick a specific vehicle and have a VIN, pick an insurance provider and set up your policy to begin the same day you plan on picking up your new car.

What is the cheapest car insurance for new drivers? ›

The cheapest car insurance companies for first-time drivers are Travelers, USAA, and Geico, according to WalletHub's analysis.

At what age is car insurance cheapest? ›

Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.

Why is my first car insurance payment so high? ›

Why is my car insurance so high? Auto insurance premiums are determined by factors you can control — such as where you live, the type of car you drive and how much coverage you buy — and those you can't, such as your age or inflation.

What age pays the most for car insurance? ›

Young drivers ages 16 to 24 tend to have the most expensive car insurance. Drivers in this age group are often inexperienced and are more likely to get into car accidents and file insurance claims. As a result, car insurance companies often charge higher premiums to young drivers.

Should I get full coverage on my first car? ›

If your car is financed or leased, your lender will usually require you to carry comprehensive and collision coverage. But even if your car is paid in full, comprehensive and collision can be worth carrying as they can pay to repair or replace your ride if it's damaged or stolen.

Why is first time car insurance so expensive? ›

The lack of experience and driving history plays a major role in determining insurance rates. Young drivers are seen as more prone to accidents due to inexperience, making them riskier clients for insurers.

What is the first step in buying a car? ›

7 steps for buying your first car
  • Determine how much you can afford. The key to a successful buy is determining how much you can afford. ...
  • Save for a down payment. ...
  • Take a look at your credit history. ...
  • Decide what car is right for you. ...
  • Prequalify for financing. ...
  • Head to the dealership — in person or online. ...
  • Negotiate.
May 31, 2024

In what order should you start your car? ›

If you drive a manual transmission, place the car in neutral first by pressing the clutch pedal and using the gearshift to take the car out of gear. The easiest way to start an automatic car is to put your foot on the brake, insert the key in the ignition, and turn the key.

What is the first thing you do when you get a car? ›

1. Register your new car. Registering your new vehicle is one of the most essential steps following purchase, it is illegal to operate your vehicle without valid state registration. If you purchased a new car, the dealership likely handled the registration, but confirm it before setting out on the road.

What insurance is the best for new drivers? ›

Allstate has the best cheap insurance for young drivers.

It offers the most affordable liability-only car insurance rates for first-time drivers under 25 years old. On average, new drivers can expect to pay $100 per month for minimum coverage from Allstate. That's less than half the average cost for new drivers.

Is it cheaper to insure an old or new car? ›

Insurance for new cars is usually more expensive because they cost more to repair and have higher values than used cars. USAA, Nationwide and Geico offer some of the lowest rates for both new and used vehicles. Most lenders require full coverage on financed vehicles whether they're new or used.

What is the most important type of car insurance you should buy? ›

Liability insurance: This covers bodily injury and property damage caused to another party in a crash. Experts recommend buying more than the legal minimum even if you don't have much in assets to protect. Depending on your state, a portion of your wages could be garnished in a judgment against you.

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