Affordable Young Driver Insurance
Affordable Young Driver Insurance
Cutting the Cost of Young Driver Insurance
Young Driver Insurance is known to be expensive. However this does not need to be the case.
Statistics show teenage car drivers are involved in more accidents than experienced drivers which of course is inevitable as good, safe driving comes from practice. It pays to be mindful, vigilant and a little cautious when you are learning to drive. A good driving history helps bring down your car insurance costs year on year as well as keeping you and other road users, safe and well.
Getting insured through your parents insurance policy can sometimes be cheaper than having your own policy. The drawback is that the vehicle most be held in your parent's name. Some companies may require that you live with your parents as well. Also, if the young driver is involved in a collision, the claim will affect the parent's renewal premium.
If you are aged between 17-24 years old looking for competitive rates on young driver car insurance it pays to shop around and a broker is most useful in this case.
Considerations and Factors Affecting your Quote
Various factors are taken into account when you request a quote. Your location is the first very significant aspect. The second impacting factor is age which is why young driver insurance is more expensive. On this note certain insurance brokers may have negotiated specific packages exclusively for young drivers and as a result can offer lower, more competitive insurance quote rates for young drivers insurance.
Other factors taken into consideration when you ask for a car insurance quote are:
Marital status married couples have proved to have less accidents & sometimes less mileage collectively.
Driving history practice makes perfect! Track record in safe driving is reward with no claims bonus discounts and a reduction in premium year on year.
Specifications of your car older cars are cheaper to insure as they are less valuable and usually less powerful. Less powerful cars are less risky and as a result are cheaper to insure.
Safety Features Immobiliser, alarm, anti-lock braking system, airbag these safety features all help to reduce the risk and/or level of theft, minor accidents, damage and injury and so are considered favourably by most insurers. Here again your broker will find the best cover for you while taking these factors into account.
Higher excess Volunteering to carry a higher excess, (i.e., the fixed amount payable by you in the case of a claim,) will reduce your premium.
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