If you just finished your driving test and you are trying to find the best cheap car insurance for young drivers, then you need to understand just how difficult it is. Trying to get car insurance at a young age can be very tricky and you can expect to always pay more than drivers who happen to be older and more experienced. You can expect to pay more but some insurance companies will not even consider giving you insurance because you are a very high risk for them.
Don’t Take The Risk And Get Cheap Car Insurance For Young Drivers
Though you may be tempted to drive without insurance, you need to understand that the government will fine drivers who do not have insurance and cause certain penalties. If you plan to insure your car under your parents’ name and then add yourself to the policy, you will be committing insurance fraud that will eventually lead to a charge. This will invalidate your policy and thus getting charged for driving without car insurance.
Why Are The Premiums So High?
You will realize that car insurance for younger drivers will be higher than the national average because they are simply more risky. Out of all the road fatalities in the UK, 33% of them are caused by drivers that are between 17 and 25. 25% of first time drivers are also involved in a car accident during their first year of driving. Young drivers are also very vulnerable to theft, vandalism and fires and insurance companies look into this. Trying to find cheap auto insurance for young drivers can seem impossible but there are a few things that you can do to help find cheap car insurance for students.
Waiting Might Not Help Much
Some people might think that waiting until they turn 21 will help lower down their premium but this is also not a good idea. Though it will be cheaper than your premiums during your teenage years, it is still significantly more expensive compared to the National average. 25 year olds are also looked at as young drivers and so this will also be a problem. Male motorists will also pay more than females and this is because they are more likely to be involved in an accident. However, this will stop on December of 2012 as gender discrimination will no longer be effective. After that date, male insurance will go down about 10% and this can prove to be a big savings for a lot of young men.
There are a few things that you can do to help reduce the overall price of the insurance premiums. There is a device called a Black Box that be stuck to your car and this will track your movements. This can help to reduce your insurance premium because you will be rewarded for not driving out late at night and not driving a lot of miles.
• Buy A Sensible Car
Realize that each new car is assigned to a certain car insurance group and if you choose a car in the lower group, the lower your premium will be. Buying a sports car for a young driver will certainly call for very expensive premiums and it is just not practical.
• Don’t Modify Your Car
Understand that most insurance companies will not like racer cars that have turbo charging, nitrous oxide kits and rally lights as these added features will simply just make your premium skyrocket.
• Take The Needed Courses
You should think about taking a course called the Driving Standards Agency’s Pass Plus. You can take this course at any time but it is mainly for those that have been driving for less than a year. This certain course will be made up of 6 modules that will last 6 hours each. There will also be a fee but it will be worth it in the end as you can save up to 35% off your insurance premium.
• Compare Insurance Quotes
You need to learn how to browse around and find different insurance quotes. However, you need to compare the right way and not just compare based on the prices. You should consider the benefits and see if it is worth the higher premium. A certain car insurance might be cheap because they do not offer many benefits. You cannot always assume that a third party insurance company is the most affordable option. If you work with a cheap third party insurance company, you will realize that they offer less protection.
• Read Reviews
Understand that the internet is the best place to get the cheapest insurance and so you should consider taking the time needed to do your research. There are plenty of different insurance companies to choose from and so you should always keep this in mind. Most people tend to overlook just how important it is to be able to read reviews on these insurance companies.
• Find A Good Guide
Trying to find good and cheap car insurance can be very difficult and so you need to find a good guide. These guides will help make the process be as simple as possible without having to make the process last longer than it should. The guides are usually tailored for 18 year olds but there are also guides that can be used by people of all ages. 19 year olds will also be spending more money compared to the average and so this is something that you should think about. Understand that even if you have been able to drive for a few years without any accidents, you will still most likely be paying a lot for your premium without a good guide.
If you are serious about being able to get cheaper auto insurance, you need to keep these simple things in mind. Though it might seem like it is almost impossible to get cheaper insurance with good protection, it is still possible. After a lot of research, comparing and searching, you will surely be able to find the best cheap car insurance for young drivers.