As a first time driver you need to be quite savvy and think a little alternatively when you are looking for car insurance.
This is because car insurance will generally be very expensive for you if you go for the top level, bigger and more established insurance company.
Rather than signing up for insurance with these companies and groups, you should rather look for an insurance company that is smaller or belong to a smaller or lower group of insurance, if you are looking for cheap car insurance (which, no doubt, you are).
Once you build up a repertoire with these insurance companies you can move to bigger companies without having to increase your premium too much, but if you are getting great service from the smaller companies there really isn't any need to move to a bigger insurance company, unless you have reason to believe something is wrong with the company.
Cheap car insurance for first time drivers comes with some work and effort, but not enough to truly be a major problem.
This is because most of the insurance companies that will offer you a good price, some of them specialist companies, can be found on the Internet.
Many of these companies work as online businesses, and since the Internet allows them to reach you a lot more easily than ever before, the market itself is becoming more competitive - meaning better prices.
Which, once again, says that going with a smaller company is better, as you are then encouragingcompetition in the market.
Choosing an insurance company Once you have decided to rather sign up with the smaller insurance companies you will need to choose which one.
Your pocket is still a big factor in this decision, but there are a number of other factors you need to consider, such as the reputability of the company, how long it has been around, who owns the company, how good its service is, and so on.
These details you can find out through Internet forums, blogs, bloggers, and many other Internet sites which provide advice and details of the insurance industry.
The advantage of going with an online company, or at least using an insurance company's website, is that you can often get a 10 to 20 percent discount for accepting a quote online.
For a first time driver, that's a great saving upfront.
If you garner a quote over the telephone from a particular insurance company, you should check to see if you can get it cheaper by accepting the same policy online.
Many comparison websites exist on the internet giving you plenty of options of cheap car insurance for a first time driver.
However, you should not rely on just one website, as insurance companies pay to be listed on these sites.
You should try at least three comparison websites before you make any decisions.
Breakdown cover As a first time driver it may be advisable to look at breakdown cover because your car is more than likely not too expensive (especially if you are a young driver).
Breakdown cover can save you money in the long run, but if your car is very reliable then it is probably not advised, as it will cost you extra in your premiums.
In that line, remember that any perks you don't need in an insurance policy you should ask to be removed.
This way you don't end up paying for services and perks you are never going to use, and you can save money on your monthly premiums.