I don’t think I’ve ever been more excited about anything in my life than I was when I sat my driving test. I’m not the type of person who gets nervous before sitting exams but I can tell you before my driving test I was shaking like a leaf. For most young people getting a driving license signals the start of an adult life where we have the freedom to go where we want, when we want.
The only downside to the whole experience of learning to drive is the cost involved which makes its prohibitively expensive to a growing number of people. From the cost of the lessons themselves to buying a new car and getting young driver car insurance, the costs can mount up so quickly that we run out of cash before all the bases have been covered.
The search to find cheap car insurance for young drivers is something that we all do when trying to get cover for our first vehicle but unfortunately most of us don’t know the ins and outs of getting good value from a policy to reduce our costs. This website aims to get you the information you need so that you can enjoy your first few years of freedom without breaking the bank.
So is there anything you can do to make sure you get the cheapest young drivers car insurance available? Getting insurance is a legal necessity so many of us feel helpless when faced with high premiums and think that we can do nothing proactive to bring done the cost of this expensive product. Thankfully there are several things young drivers can do for themselves which will leave more money in their pockets by making a few sacrifices.
How To Get Cheap Car Insurance For Young Drivers
1. The first thing that a young driver who has just passed their test should do is sit down and plan how they are going to spend the money they have available to get their career on the roads off to the best possible start. There is no point rushing out and buying a car when you won’t have the money available to insure, Tax and MOT it. Budgeting how much everything is going to cost will reduce the potential for tears further down the line.
2. Before you buy a car, get a few insurance quotes from the price comparison insurance sites which are so popular on the Internet these days. These comparison sites will take your details one time and send them off to numerous companies and get back to you almost immediately with a quotes from each one. Try getting a quote from them for a few different models of car to give you a rough idea and how much you can expect to pay for various different sizes of car.
3. Decide to buy a car with a small engine – This suggestion is always greeted with dismay by a young driver who wants to get their hands on a vehicle which will be the envy of all their friends but the reality is that fast cars cost the earth to insure. Drive around in a car from a low insurance group for a couple of years will be cheaper now, and will probably lead to your driving skills increasing more rapidly.
Remember that the reason young drivers pay so much for car insurance is that they have a vastly increased risk of having an accident when compared to older road users. Driving a smaller car is not only much cheaper but as far less likely to result in you having a serious accident.
Small cars may seem boring but if you are willing to do a little searching you can find something that is not only fun to drive, but also won’t ruin your street cred. Many a new driver has been ecstatic at the ability to drive around in a Mini or Beetle.
4. Resist the temptation to modify your car – Insurance companies charge a premium whenever you made modifications to the standard vehicle that rolled out the factory so make sure you keep your car the way it was built by the manufacturer to reduce costs. Resist the temptation to modify your car and keep the customisations secret from your insurer as doing so will probably result in your policy being void in the event that you have to make a claim.
5. Increase security on your vehicle – This is one of those tips which is always touted as being a great way to save money but when looking for cheap car insurance for a young driver it might not make financial sense. Security devices such as alarms and immobilisers are expensive meaning you might not be able to make up the purchase costs in savings on your premium. Its something that is worth checking out if your car is expensive but make inquiries with your insurer before buying any products.
6. Don’t make any claims on your insurance – If you can get through the first couple of years of driving without making a claim on your policy then you are going to start building up a nice little no claims bonus which will mean that the price of your car insurance is going to go down significantly every year. Obviously everyone does their best to avoid having to make a claim but take care to drive sensibly and you are going all that is possible to ensure that your future premiums will be coming down in price.
7. Take out third party insurance – A third party policy will provide cover to damage you might do to other people or their property but it doesn’t cover damage to your own vehicle. This means if you crash into someone else you’ll have to pay for your car to get fixed yourself. Taking this option will save you money as long as you don’t have an accident and is the best choice if your vehicle doesn’t have a high value. You’ve got to decide for yourself if the extra risk is worth the initial saving.
8. If you find that the whole driving experience is going to be too expensive for you then you might still have an option if your parents have a car. Any insurance company will be willing to add you to their cover for less money than it would cost to get your own insurance policy and you’ll also get to avoid having to lay out the cash for your own vehicle. Obviously driving your parents car is never going to be as cool as having your own wheels but oftentimes we have no choice in the matter.
As you can see there are quite a few things you can do to ensure you find the cheapest young driver’s car insurance possible. Make the right choices and you will reduce your costs even if at the end of the day your still going to feel that you are paying too much money for a service you hope you will never have to use. As the years go by and you pick up more experience and hopefully a no claims discount you will start to see dramatic improvements in how much you have to pay each year.
