subject: How To Get The Best Car Insurance For Young Drivers [print this page] Getting insurance for young drivers can be a problem. The majority of road accidents involve young, inexperienced drivers and so the insurance companies can charge a lot of money to cover that increased risk. There are certain things you can do to get the best car insurance for young drivers.
The type of car makes a big difference to the cost of insurance. The cars with lower engine sizes and value are cheaper to insure. However many young drivers have to use their parents car. In this case it may not be possible if the car is an expensive model but even if it is possible it may be expensive and the young driver will not build up a no-claims history. Therefore it may be more cost effective to get a cheap, older car for the first few years of driving.
The type of cover makes a big difference to the price. If you can afford it comprehensive cover is always advisable. This means you are covered for almost all eventualities. However lesser cover, where you pay for the cost of repair is cheaper but if there is an accident it may turn out to be a false economy.
In many places new drivers can take a further course once they have passed their mandatory test. This advanced driving test will prove that the driver has had more practice on the roads and shown a higher skill level. However you will need to offset the cost of the test against insurance quotes to see whether it is worth it. Young drivers often cause themselves problems by getting speeding tickets or penalties on their license. These things increase insurance costs dramatically so avoiding them is a good way to make sure your costs do not rise once you have taken out the policy.
There are now companies who specialize in providing cover for teenage drivers and learners. They have expertise in the market and understanding of the issues. They will be able to give advice about ways to improve your chances of getting good cover.
The internet is a hugely valuable tool to utilize when searching for first time insurance. It is easy to compare prices and policy details from lots of different companies fairly quickly. It is worth shopping around as much as you can as the differences in quotes from different providers can be huge.
Getting the best car insurance for young drivers can be a headache. However it is worth spending the time to check out all the options as the deals vary greatly.
by: Lance Thorington
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