New Driver? Let's Take A Look At 3 Useful Points About Buying Your First Car
Passing your driving test is one of the best feelings in the world
. Giving you the opportunity to, in theory, drive all over the world, the first thing you need is a set of wheels.
A confusing time for the simple fact that there's so much choice and such a large amount of information to take in, these 3 points should help you get through the whole process easily and pain free.
1. Look for insurance promotions - as new drivers are very often young but always inexperienced, insurance premiums are high and therefore promotions that offer free insurance for the first year don't come along very often.
When they do, however, you need to stop paying attention to what car you're getting and focus more on being able to secure any car with a year's free insurance.
As car insurance is based on risk, as a new driver, you have next to no driving experience and therefore you pose a large risk to the insurer, as you're likely to be involved in some form of incident. Due to this reason, insurance premiums for new drivers, even on a small engined car, can be well over 1,000 pounds.
Therefore, if you can take advantage of a car dealer's promotion whereby they are offering free insurance, you really need to utilize it, as it's a very wise move financially.
2. Choose an unusual or unpopular first car - when you've just passed your test, you feel like you'll drive anything to be able to get out there on the open road. The truth is that you want a car that you feel you'll look good in, but which brings with it cheap, affordable insurance and the cars that most popularly fit this bill are the Citroen Saxo, Vauxhall Corsa and Renault Clio.
The problem is that in recent years insurers have started to realise that these cars are popular with learner drivers and as they can be modified and upgraded easily, have started to increase premiums to reflect this. In some instances, it can be possible to gain lower insurance premiums on a new car from Mini dealers than it can be for a large engined old Renault Clio that has been upgraded and modified extensively.
As this is apparent, if you can pick a car that is not particularly aesthetically pleasing, powerful or popular, you're insurance premiums will almost always be lower than for a Saxo, Corsa or Clio.
3. Always get a HPI check - according to CarCheckOnline, a third of all cars are expected to have a potential problem and therefore it's imperative that if you're buying a second hand car, you pay 19.99 pounds and have a HPI check carried out on the car you're looking to buy.
What a HPI check will do is look at the car's history and give you information on everything from whether it's ever been written off to if there's any outstanding finance on it.
The 20 pound may seem like a waste of money if everything's OK with the car, but it could be the best 20 pound you've ever spent if it turns out the car has several problems with it.
by: Steve Carr
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