A GUIDE FOR CHEAP YOUNG DRIVERS CAR INSURANCE

Cheap young drivers car insurance is a promise that is rarely fulfilled. The best any young driver can do is to try and buy the cheapest car insurance premium on offer. What follows is a guide designed to help all young drivers looking for cheap car insurance gain the cheapest quote possible. Firstly, the reason cheap young drivers car insurance is an unrealistic goal is simple - new and young drivers are a bigger risk to insure than the average car driver. These are the facts: * Newly qualified UK drivers are more likely to have an accident during their first year of year of driving than at any other time. * Per mile of driving, the risk of an accident involving injury or death is about seven times greater for 17-20 years old than for those aged 40 or over. * Young drivers under 21 are involved in 15% of all car accident deaths. * New drivers make up just 10% of licence holders, but are involved in 29% of accidents. CHEAP YOUNG DRIVERS CAR INSURANCE - HOW TO REDUCE YOUR PREMIUM The following tips will help you reduce the cost of young drivers car insurance. Take the Pass Plus Driving Exam The pass plus examination is for new and young car drivers. It is an intensive training course that helps new drivers become a better drivers. Pass the pass plus and you will get a discount of up 35% on your car insurance. Taking the Pass Plus will cost around £100 but given the high cost of new drivers car insurance you should save more than this on your car insurance premium. Ask your driving instructor for details. Pay a Higher Excess Insurers will insist on a minimum amount that you have to contribute to any car insurance claim. The standard amount is £100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium. Pay Your Car Insurance Premium in One Go It is often cheaper to pay your years car insurance in one lump sum rather than in monthly installments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly installments. Named Drivers Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your insurance premium. Likewise, avoid having younger named drivers on your policy. Car Security Beef up your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer cheaper premiums. Buy Your Car Insurance Policy Online Most car insurance companies offer a discount if you buy online via their web site. Be Born Female Female car insurance is cheaper. Why? Because the average female is a safer driver than the average male. Result, cheaper car insurance for the ladies. Shop Around According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.

This is 5 Tips to Get Cheap Car Insurance

Getting a car insured today has become a matter that requires substantial research. For most people the main criterion of selecting or rejecting a car insurance company is price. Every body seems to be after cheap car insurance. But how does one quantify cheap? To accurately compare quotes, you need to make sure the insurers youre comparing are offering similar types and amounts of coverage, and also a similar deductible amount. Meanwhile, here are a few pointers on how to go about getting a car insurance that will be more affordable: Keeping all your eggs in the same basket may help you lower your car insurance costs. Some insurers give discounts if the applicant already has one or more insurances from the same company. For instance, if you already have homeowners insurance and another auto insurance plan from the company, chances are that you may have to pay less for insuring your new car. You can even ask them to give you a quote and compare it with that of other insurance companies. Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future. Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. But if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly payouts. Even the make of the car can determine how much you pay for the insurance of the car. Attractive and expensive cars are more theft prone and hence make the car insurance expensive. The inherent nature of the car and the likely profile of the user can also determine the insurance amount. Volvo, a symbol of safety, is likely to be driven responsibly but a Mustang is likely to be driven by a less cautious driver. Therefore if you are planning to buy a car in the near future, spare a thought on the insurance front too, since a low-profile car can have a lower insurance cost. Take precautions to theft proof your car. This can affect your risk profile immensely, apart from giving you a general peace of mind. Cars equipped with anti-lock brakes, air bags and automatic seatbelts are also eligible for insurance discounts. Remember not to just go after the cheapest quote you get in the market. Do your homework, compare quotes and reimbursement track records of several insurance providers before you finalize your car insurance company. Jon Atkinson recommends that you visit http://www.cheap-autoinsurance.com/ for more information on cheap car insurance. Article Source: http://EzineArticles.com/?expert=Jon_Atkinson