Insurance tips for young drivers - ACS Personal Insurance

Insurance tips for young drivers

Looking around for your first car is an exciting time! But in the midst of looking for your shiny new purchase, there’s a lot to consider – from possible loan finance to what type of insurance is best for you. 


In recent years, young drivers have been considered a high risk for injury or even death on our roads. This means that premiums for car insurance can be quite high for those under 25 years. Here’s some tips to get you started in finding the right insurance for you:

Figuring out costs

Make an insurance quote your first call, as this cost may factor into any borrowing you take out to purchase your car. And don’t forget to include running costs, such as petrol and servicing for your vehicle, as part of your overall budget.

Choose a car that is the best your budget will allow. Consider too that the more expensive the car, the more costly your insurance.

Consider that in the event of a claim, you may have to pay an ‘age excess’ as a young driver under 25 years. Shop around before taking out your policy. Get quotes from at least three different insurers and you could save yourself hundreds of dollars each year.

Minimising costs

Check with your insurer to see if there are any ways that you can minimise the cost of your premium. For example, will you receive a discount for taking a safe driving course or installing a safety device, such as an immobiliser or alarm?

Keeping a clean driving record will help keep your premiums lower and more affordable. Find out what your insurer can offer you in this area if you maintain a good record.

Things to avoid at all costs

Whether you’re buying a car privately or via a manufacturer or dealership, you still need to  be sure that you're covered before you drive away with your new car. Don’t leave it to the following day to sort out the insurance paperwork!

Always remember to renew your car registration and insurance. Any lapse is a huge risk to your financial future in the event of an accident.


With a little bit of shopping around and being prepared with your budget, you’re first car purchase should be a time of real freedom and independence. Enjoy!

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