The first time you drive on the road is a memorable and special occasion, and when you pass your test and take your first solo drive, it's simply unforgettable. The feeling of freedom, and perhaps a moment you have been waiting for, is exciting and liberating. Sometimes the biggest obstacle to getting on the road is getting insured. You want to get the right cover at a good price, so here are some top tips so you can do just that!

Choose the right car
Many of us would love to buy a really expensive and powerful car, but if you have recently passed your test, the more your car possesses these qualities, the higher the cost of your insurance premium. Think about insurance groupings. Group one is the cheapest. The bigger the number, the more your car will cost to insure, so do your research.

Keep mileage to a minimum
The fewer miles you drive, typically, the cheaper your premium. Remember to always provide accurate information. If you don't, you could invalidate your policy. If you think you are going to exceed the number of miles you drive each year, then inform your insurer, and they will recalculate your premium. This may mean you have to pay a bit more, but it will be a minimal amount compared to the costs of having an accident and not being covered in the event of a claim.

Pay in advance if you can!
Paying your premium monthly is handy if you do not have all of the money to pay in a lump sum. In essence, paying monthly means you are borrowing, and you will pay interest. So if you can, pay in advance. A good tip is to use a zero-per cent credit card, which will reduce the cost of borrowing to pay your premium.

Get a black box fitted to your vehicle
These are your friends. If you brake, accelerate, corner, and stick to low-level mileage, your black box will record all this information, and your insurer will have proof that you are a safe driver. These devices also monitor what time of day you’re driving, and the good news is that all of this will lead to cheaper premiums.

Take an advanced driving course
Taken after you have passed your test and lasting about six hours, these will help improve your skills by undertaking practical driving courses with an approved instructor. So always check with your insurer, as it could reduce your premium significantly.

Drive sensibly and safely!
If you are a good driver, this is not a reason to drive fast or take risks. Rather, this is an opportunity to show your insurance company that you are a safe bet by building up a good track record, reducing your likelihood of making a claim, and ultimately leading to cheaper premiums. Leaving you with more money to enjoy life.

Drive a hard bargain!
Haggling for your policy is a no-no. However, don’t be afraid to chat with your provider and ask if there is any manoeuvring on price. If you don’t ask, you don’t get, and your insurance broker or provider may be able to improve on any quotes you have had.

Choose add-ons wisely
Certain optional extras on your policy are a no-brainer, but it really depends on your circumstances. Breakdown cover, for example, is a really good idea if you live in a rural location. On the other hand, you may prefer key cover, personal accident cover, or legal cover.

Happy motoring
When you get the right level of coverage, you can go about building your no-claims bonus. Then enjoy your newfound freedom with the peace of mind that, should you need to make a claim, you are covered.

Get in touch today to see how we can guide you to the best insurance policy for you.