getting car insurance for a new driver always hair raising!?"
There is nothing quite as exciting as being told you’ve passed your driving
test and having good reason to rip up those L-plates. However once you’ve got
through that little challenge you have another one to consider – getting your
first car insurance policy.
This can be just as demanding as learning how to drive in the first place.
Getting your first policy is a bit like applying for your first credit card –
you’ve got no history for the insurance companies to work with. This means
you’ll have higher insurance premiums to pay over the first year at the very
least, while you gain some driving experience.
Younger drivers are also more at risk of having an accident. According to Brake,
the road safety charity, 23% of drivers between the ages of 18 and 24 will have
an accident within the two-year period immediately after passing their test.
Young male drivers are most at risk, being involved in many more accidents
compared to female drivers of the same age.
However there are ways in which you could reduce the cost of new drivers’ car
insurance. Simply shopping around online for good quotes and using a price
comparison site will help enormously when it comes to finding something you can
afford to pay. Another good way to achieve potential savings is to get a car
that is in the lowest possible insurance group. The lower the number the cheaper
the insurance will be, with group 1 being the cheapest.
Finally you may wish to consider looking for telematics car insurance. This
requires you to have a black box fitted to your car. It records how you drive
and if you can show you are a safe driver you may get lower insurance premiums
as a result. It is a great way to save some money.
How does Q4 Insure work?
We collect your details once and then connect directly to the systems of our partners and display to you the cheapest prices from each.
You only have to enter your details once to receive lots of quotes, ordinarily you would have to give your details to every insurance site you would like to get quotes from. Naturally, there is a limit to how many times you are prepared to do this, which could often result in you giving up and accepting a dearer quote than you could have otherwise obtained.
No, whether you call them up to discuss or visit their website, we give you a provider specific quote number, which will access all of your details on the provider's systems.
On your quote results page simply click "How to buy" next to the policy you are interested in. At this point you will be able to click-through directly to the providers website and will also be provided with your unique provider quote number and telephone number if you prefer.
Yes, we have a link to the DVLA database, so if you know the registration number of the vehicle we save you time by completing the vehicle details for you. But, this isn't a necessity.
Yes, we will e-mail your results to you and store them securely. You will be able to access these results at a later date and get more quotes without having to enter your details over again.