When you're young or a new driver, you represent a higher risk to the insurer. You need to prove yourself as a safe and reliable driver before you become eligible for a very cheap car insurance. However, when you get car insurance quotes, there are things that you can do to reduce the cost and save money.
Why is car insurance for young people more expensive?
Young drivers are accident -prone Young drivers, especially men who are under 25, are statistically more likely to be involved an an accident than other age groups. This is partially associated with recklessness and partially due to inexperience. Premiums are calculated based on the likelihood of an accident, so under-25's who haven't had chances to build their no claims bonus pay more for their coverage.
How to get an inexpensive car insurance for new drivers
Shop about for cheap insurance quotes Cheaper insurance is available to everyone, but most people don't invest enough of their time into shopping about for the best rates. Prices comparison sites, such as Moneysupermarket.com, Uswitch.com and Comparethemarket.com, allow you to trawl the market for the lowest car insurance quotes based on a list of criteria that you specify. Avoid fast and expensive vehicles You may want a fast and flashy sports car, but they're far more expensive to insure. Buying a more basic model without any modifications will enable you to get the cheapest auto insurance. Take the advanced driving test The majority of insurers will offer you a discount when you take the Pass Plus Course. You won't have to pass a test and you'll be issued with a certificate from the Driving Standards Authority (DSA). Check with cheap insurance companies to get an idea with regard to how much money you stand to save on the coverage. Drive safely and carefully Although it won't have an immediate effect on your premiums, it makes sense to drive carefully. Aside from the fact that it's a lot safer, not being involved in an accident, will help your no claims bonus in future years. Increase your deductible The higher the deductible (the amount that you pay before making a claim), the less expensive it is to get coverage. However, this strategy could present a problem if you don't have enough money available to fix your car if you are involved in an accident. You'll need to set some money aside in a savings account and discipline yourself not to spend it.