| It's a fact that younger drivers have a really | | | | so that you can get future price cuts on car |
| tough time shopping around for cheap car | | | | insurance premiums. |
| insurance. The main reason is to do with statistics | | | | Choosing the right policy |
| - sadly, younger drivers are much more likely to | | | | A third party fire and theft insurance policy is the |
| have a car accident than older drivers. So to | | | | least expensive option, but only pays for damage |
| cover themselves against these higher risks | | | | to the other persons car if you have an accident. |
| insurers levy higher premiums for younger drivers. | | | | Opting for a restricted policy can also save you |
| An average UK motor insurance quote in 2009 | | | | money. Not driving between 11pm and 6am or |
| was £1059 for a younger driver. So, what | | | | doing a low yearly mileage are restrictions that |
| sort of things can you do to get cheaper car | | | | mean cheaper premiums with some insurers. |
| insurance? | | | | Have your parents got a few years' driving |
| Shop around for quotes! | | | | experience behind them? Then you could put one |
| Always, always shop around for the best deal - | | | | of them on your policy as a named driver and |
| it's easy to do online and a lot of companies have | | | | save around 10%. Agreeing to pay a bigger |
| special premiums for online shoppers. Get several | | | | proportion of any insurance claim out of your own |
| different quotes to compare what's on offer and | | | | pocket will also result in cheaper premiums. |
| get the price and level of cover that suits you. | | | | Security for your car |
| Choose the right car | | | | Making life harder for car thieves by fitting your |
| Head must rule heart in your choice of car - one | | | | car with an immobilizer or alarm makes the |
| with extra goodies like alloy wheels and higher | | | | insurers happy and results in a lower premium. If |
| performance will cost you more to insure than a | | | | possible, having your car parked in a garage or |
| factory spec car with a small engine. If you | | | | behind gates at home lessens insurance costs |
| already have a modified car, then still get several | | | | quite a lot. |
| motor insurance quotes because certain | | | | How to pay for insurance |
| companies may judge modifications less | | | | Paying your insurance by monthly installments |
| stringently. If you are buying a new car go for a | | | | may lessen the pain but you will end up paying |
| lower priced model with a low insurance group | | | | more in interest charges - best pay in a lump sum |
| rating. | | | | and save money. |
| Take advanced driver training | | | | It is possible as a young driver to get a good |
| Some insurance companies offer cut price | | | | insurance deal if you are careful and consider all |
| premiums to new drivers who have done | | | | the options. However, it's undeniable that insurance |
| advanced driver training. These courses can teach | | | | premiums for young drivers can be |
| you how to cope with difficult conditions such as | | | | eye-wateringly expensive. But the good news is |
| night and motorway driving. Being a safer driver | | | | that having just 1 years no claims bonus could |
| will also help you to build up your no claims bonus | | | | slash your car insurance by up to 20%! |