Car insurance for new drivers
If you're new to driving, car insurance will be a whole new world for you. Here are some tips to choosing car insurance for the first time.
New drivers in QLD and NSW should also note that they will also need to purchase a compulsory Green Slip or CTP Insurance for their car as part of the registration process.
Keeping costs down for a New Driver
If you're a new driver, you'll have no driving record for insurers to assess you by so your quote will depend mostly on your age, gender, the area you live in and the model of your car.
There are some other ways of lowering your car insurance premium though, including:
- Choose a relatively mainstream car that is not modified, high performance, accessorised or prone to theft.
- Avoid cars that are rare or expensive to repair or get parts for.
- Take an approved driving course, like Defensive Driving, as with some insurers this may lower your premium.
Read the fine print
Be sure to read the relevant Product Disclosure Statement (PDS) carefully before you decide the right policy for you. New drivers should be aware of the Age Excess, which can be charged on top of the basic excess for drivers under 25, and the Inexperienced Driver Excess, also charged on top of the basic excess for drivers over 25 who have not held an Australian drivers licence for at least two years.
Also, it's important to inform your insurer of modifications - or better, avoid them altogether - as this may lead to your claim being rejected.
Finally, keep in mind that car insurers generally will not pay out for damage caused by drunk driving, racing or other illegal activity.
Compare quotes to save money
The best way to save on car insurance for new drivers is to compare your options, as the cost of car insurance can vary greatly between insurers.
This is general information only and does not take into account your personal objectives, financial situation or needs. You should consider the relevant PDS available on this website prior to purchasing any product. Choosi offers insurance products from a range of brands but does not compare all products available in the market.
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