Save Money With Cheap Car Insurance For Young Drivers
An annual car insurance premium for someone under 25 can often cost more than thecar they are driving in, leading people to wrongly believe that cheap car insurance for young drivers cannot possibly exist. The general high cost is unfortunately down to the fact that young drivers are statistically more likely to crash. According to Brake, a road safety charity, 25 percent of drivers killed on the roads are under 25. Even though only 1 in 8 drivers on the road is in this age bracket leading to it being hard to find cheap car insurance for young drivers.
This means that insurance companies have to raise their premium which makes it hard to find cheap car insurance for young drivers. That does not mean it is impossible and with a bit of research and by following the tips below you can maximize your savings and have more money to spend on other things, probably fuel!
The first tip is to make sure you buy a low risk car, this generally means a car with a small engine, stopping under 25s from trying to drive like their Formula One favorites on motorways and country lanes. A point to note with this is that diesels are normally cheaper to insure and they have the added benefit of being cheaper to run, so its a win win situation, cheap car insurance for young drivers and a saving on fuel costs.
Another tip to get cheap car insurance for young drivers is to take a PassPlus course. This course has been set up by the DSA and teaches you advanced driving techniques to deal with tricky situations; you can complete it in a minimum of six hours with no test at the end. As soon as you have completed this you will see your quotes dropping. Please remember this course has to be taken within a year of passing your test, this is one of the key tips to finding cheap car insurance for young drivers.
Modifications tend to add to your premium too, stopping you finding cheap car insurance for young drivers, so as tempting as it may be in some cases, try not to do modifications to your car, and if you simply cannot resist it, then make sure it is done by a professional and not a do it yourself kit, remember.
It is also possible to get cheap car insurance for young drivers by adding a responsible second driver to your insurance. This overall brings down the risk even if the second driver does not use your car much, it does help if the second driver has the best possible record for driving, but anyone that is in a lower risk category.
The penultimate tip to finding cheap car insurance for young drivers is to not just assume that third party insurance is cheaper than comprehensive because this is not always the case even though it would be logical to think that third party is cheaper make sure you get a quote for both types just in case it does save you more.
The last tip for finding cheap car insurance for young drivers is to decide whether or not you stick with your parents insurance provider or compare quotes and go on your own, in many cases it can be cheaper to stick with your parents. We would recommend you do spend time shopping around though as it only takes a few minutes to get quotes from hundreds of insurers and you may be pleasantly surprised with the results.
Cheap car insurance for young drivers is available you just have to search hard, and believe us, with a bit of effort the saving can be huge.
by: Michael Foote