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Performance Car Insurance For Young Drivers-Cheap Insurance For Young Drivers ? Tips For Keeping Costs Down

Cheap Insurance For Young Drivers ? Tips For Keeping Costs Down

Cheap Insurance For Young Drivers – Tips For Keeping Costs Down

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Home Page > Finance > Insurance > Cheap Insurance For Young Drivers – Tips For Keeping Costs Down

Cheap Insurance For Young Drivers – Tips For Keeping Costs Down

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Posted: Oct 31, 2010 |Comments: 0
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There is a possibility of finding cheap insurance for young drivers if you follow a few steps that will help to keep the cost of premiums down. It is important to remember that young people are considered high risk because of their age and the fact that younger people are known to be involved in more accidents. Youngsters are more likely to get into accidents than older and more experienced older drivers and the statistics clearly bear this out. The records of road accidents clearly show that a much higher proportion involve younger drivers and in particular young male drivers.

Because of this, insurance companies raise the premiums to absorb the increased risk they are taking when they insure young drivers. All insurers will base their premiums on the likelihood of having to make a payout for a claim, and they assess the likelihood by studying the statistics for past road accidents and claims. Some insurance companies will not even insure younger people because of the higher risks involved, because they believe the risks of losing money are too great, or the premiums they would have to charge would be unrealistic. Young drivers with provisional licenses can therefore have trouble finding insurance. It is out there, you just have to look for it carefully and take a few steps to bring the price and the risk down.

How to Lower the Risk for Young People

In order to get cheap insurance for younger drivers you will have to lower the risks involved with young drivers. You can do this in several ways, including the following:

Having your young driver take a driving course such as the Pass Plus programme. The Pass Plus programme teaches a young driver how to drive under different conditions. They will learn how to drive in town and on a throughway for example. You can get a 20 percent discount from many insurance companies if your young person has taken a course.

Buying a small, second hand vehicle instead of a larger more expensive vehicle. Autos with large engines will have higher premiums than smaller engines. A small vehicle will do less damage than a large vehicle also and they are usually cheaper to repair too.

Avoid doing any modifications on the car. This includes tinted windows, alloy wheels, and even interior modifications such as bucket seats. Modifications can make the car more appealing to car thieves, which increases the risk to the insurers and therefore the costs. Some modifications to the engine can make it a high performance auto, which also increases the chance of accidents.

If possible try to keep your mileage low. Some motor insurance companies will take car mileage into consideration when they work out your premium.

Buy insurance online. You can get a 10 percent discount from most online insurance companies when you purchase your car insurance online. Oftentimes their insurance rates are lower because they have a lower overhead.

Do Not Be a Statistic

One third of all road fatalities are young drivers between the ages of 17 and 25. One out of every five young, new drivers has an accident in their first year driving. 17 to 21 year olds make up seven percent of the people who have a driver’s license. When it comes to injury accidents, they make up 13 percent. Pay attention when driving, so that you do not become a statistic.

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K D Garrow -
About the Author:

Find out more about where to get cheap insurance for young drivers on the author’s Insurance Young Drivers website, which offers a range of information for new and learner drivers, from help with young car drivers insurance to advice on drink driving laws, learning to drive, etc.

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Cheap Car Insurance For 17 Year Olds-Young Drivers Crippled by Car Insurance Costs

Young Drivers Crippled by Car Insurance Costs

It can be a vicious circle for young motorists in the UK.

According to BBC Radio 1’s Newsbeat programme, 50% of those who drive without car insurance in the UK are under the age of 29, meaning they are breaking the law and could see their cars seized if caught by the police.

Yet those who drive with car insurance face sky high premiums as young people are punished based on reputation and damning statistics – figures from a car insurance intermediary reveal that 38% of 17- and 18-year-old drivers have made a car insurance claim compared with 20% of those aged over 25.

So what’s the solution?

With police introducing number plate recognition technology and working more closely with insurers than ever before, it’s clear that driving uninsured is not a risk worth taking.

So young drivers must take steps to secure cheap car insurance – and it’s not an impossible task.

Firstly, shop around using a car insurance comparison tool. Comparing quotes from dozens of insurers will increase the likelihood of receiving an affordable deal – most will also include quotes from specialist insurers who target young drivers.

Secondly, consider adding an older driver to your policy. If an older relative is the ‘named’ driver on the policy it can considerably cut your premiums – but you must drive safely as any claims will count against them too.

Next, consider taking an advanced driver’s course. Securing a Pass Plus certificate could slash your premiums by as much as 35%.

Finally, take the same measures as any other driver would to reduce premiums – increase security, don’t modify the vehicle and consider paying by monthly direct debit.

Savvy drivers find cheap car insurance – and there’s nothing to stop young drivers from finding a car insurance deal to suit them and their budget.

LuckySeven is an author specialising in car insurance. Top tip: always shop around and compare quotes in order to get a cheap car insurance policy.

Posted by admin on July 28th, 2010 Read More No Comments

Cheap Car Insurance For 18 Year Olds-Cheap car insurance for 18 year olds- 5 Ways of Cutting the Costs

Cheap car insurance for 18 year olds- 5 Ways of Cutting the Costs

You will face a number of issues when you are going to buy cheap car insurance for 18 year olds. Since most providers consider teenagers to be high risk, you will need to do a lot of research before you get cheap car insurance for 18 year olds.

A number of factors result in the high premiums you have to pay for an eighteen year old:

There is a high percentage of young drivers who are involved in accidents. This results in the higher risks associated with young drivers. Teens are well known for their carelessness and irresponsibility! Unfortunately, this becomes a huge factor when you are buying cheap car insurance for 18 year olds. An eighteen year old is more interested in getting a flashy car, rather than worrying about its security. This results in cars that have changed their specifications beyond recognition. It compromises security, and results in higher premiums.

How Do You Ensure Cheap Car Insurance For 18 Year Olds?

There are a number of things you can do to cut down the costs associated with it.

Stress on security- when you are getting your 18 year old a car, stress more on security. Sports cars require expert techniques, so they are not a good investment for your teenager. You are better off with a solid and comfortable car. You can use the money you save by installing early warning systems, steer locks etc. They increase your car’s security, and bring down the cost of insurance. A clean record- it always helps if your teenager has a clean driving record. When you are looking for cheap car insurance for 18 year olds, everything counts! Remember, parking tickets and reports of drunken driving have an impact on the premiums you pay. A clean record will help you get off with lower premiums. Cut down on the mileage- a reduction in the amount your teenager drives will result in better premiums. Insurance providers calculate it in this way-if you are driving less, you are less of a risk to them. Encourage your teenager to go for pool cars. Not only does this save you fuel, it will also help you get cheap car insurance for 18 year olds. Include him in your policy- cheap car insurance for 18 year olds is a real possibility once you include his name in your policy. You can even get lucrative discounts when you go for multiple cars under the same policy. It will also cost you less than getting a single policy for your teenager. Get trained- a cheap car insurance for 18 year olds is far easier to find when your teenager is trained. Enrolling him for these courses will also help him in getting discounts on his policy.

Finding cheap car insurance for 18 year olds need not be the ordeal it is made out to be. Shop around with our tips and get that bargain you deserve!

Get more understanding on how you can obtain cheap car insurance for 18 year olds by visiting www.aquilabio.com. With in-depth tips and guidelines, you and your vehicle will be offered the protection needed at a low premium rate.

Posted by admin on June 26th, 2010 Read More No Comments

Cheap Car Insurance for Under 25 Year Olds

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Posts Tagged ‘Costs’

Performance Car Insurance For Young Drivers-Cheap Insurance For Young Drivers ? Tips For Keeping Costs Down

Cheap Car Insurance For 17 Year Olds-Young Drivers Crippled by Car Insurance Costs

Cheap Car Insurance For 18 Year Olds-Cheap car insurance for 18 year olds- 5 Ways of Cutting the Costs

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