Finding Cheap Insurance For Young Drivers Can Be Done

There are many insurance companies now who will not even entertain the idea of offering insurance cover to a teenager, so finding cheap insurance for young drivers is not always an easy task. The reason insurance companies are being so difficult is because of the statistics relating to accidents and young drivers. Lack of experience mixed with peer pressure, speeding, and alcohol does lead to far more accidents than will more experienced and older drivers. More accidents means more claims, which costs the insurers a lot of money, so they either stop insuring youngsters altogether, or they put up the premiums to reflect the increased risk of having to pay out.

The Statistics For Young Driver Accidents

Each year about 3,000 young drivers are seriously injured or killed on UK roads. Of all serious road accident one in five are caused by a driver under the age of 21. One out of every five new drivers will crash their car during their first year of driving. These are the hard facts and are what insurers use to calculate the risk of claims and therefore the cost of premiums. The best way to get cheap insurance and keep it is to drive safely and establish a proven record of being a responsible driver.

How to get Cheap Insurance for Young Drivers

Most insurance companies will give discounts for doing different things to improve your driving skills, because this is generally seen as something that reduced the risk of you being in an accident. Taking a driving course such as Pass Plus can give you a 20 to 30 percent discount on your insurance with some companies. Pass Plus will teach you how to drive under different conditions, so your driving skills will improve by taking this programme. By becoming a better and safer driver you are seen as a reduced risk and safer bet by insurers, so your premiums come down.

You can often get a 10 percent discount on your premium by buying your insurance online. There are a great deal of companies available online that you can get quotes from to try to find the best cheap insurance for young drivers. Some insurance companies will give you a break on your insurance for low mileage, so only drive your car when it is necessary and keep the mileage accurate. Keep a record of the mileage on your vehicle so you can report how many kilometers you drive each year. The lower the kilometers the more the insurance company will reduce your insurance.

Buy a cheap car for your first car and make it a small model vehicle. Cars with big engines will cost more to insure. Any fast and powerful car is more likely to be involved in an accident, and the parts tend to cost more to repair. Insurance companies take motor size, the type of car, the year of the car and the size of the car into consideration when calculating your premiums, so curb your desire for a new sports car and go for something cheap and cheerful.

If you want cheap insurance for young drivers you should avoid doing any modifications to your vehicle. Do not tint the windows or add alloy wheels. Do not do any interior modifications either; such as adding bucket seats. All modifications will increase your insurance, especially modifications to the engine. Modifications make a car more appealing to car thieves. Cars with modification are also more expensive to repair.

Park your car in a garage at night instead of on the street. Insurance companies like to know your vehicle is secure and is protected from thieves.

Cheap Insurance For Young Drivers – Some of Your Options

Cheap insurance for young, new and inexperienced drivers can be realized if you know how to proceed. You first step should be to get quotes for insurance. Beyond that there are several things you can do that can significantly lower your rates.

For some people, going on a road trip with family or your friends is fun. Although it is tiring to be sitting in the drivers seat for hours but the happy faces of your passengers and the happy moment that you’ve shared on the road is enough to wipe away your complaints.

But when you are on the road many unexpected things happens and when accidents occur even a very good driver won’t stand a chance. When people get older they began to be cautious and careful of their movements. But young people have lots of energy stored in their body they are very aggressive and are risk takers in almost all the things that they do.

When your children turns 18 they want to be independent and most of the young teens would want to get their own drivers license. Parents are being supportive in helping them prepare to stand with their own two feet in the future would help them get their license.

But when you’re young teens gets their license the next thing that they have to get is drivers insurance. This is where the hard part will come for everybody knows that getting insurance for your young drivers is very expensive. This is because the insurance companies find young drivers inexperience on the road and therefore prone to accidents. However parents should not give up for there are still ways to find cheap insurance for young drivers by getting discounts or looking for ways on how to lower their rate.

Here are some tips for those who want to lower their young driver’s insurance rates.

  • If you want to get a cheaper insurance for your young drivers you have to do your homework and search the net about insurance for young drivers. Doing research is important for the information that you have gathered and read might be helpful in your search.
  • There are many ways in which you could lower your young driver insurance one way is if your young driver is still going to school maintaining a high grade like a B average would help you lower your rate even if it’s just a little. You should never lie to your insurance company you’ll just get caught when they ask for a fax of your grade.
  • Since the company believes that the reason why young drivers have high rates is because they are in experience and are prone to accidents you should find a ways and convince them. One way of doing it is by applying for a safety driver’s lesson or by taking a drivers course education with a road component. When you do this they might consider lowering your rate.
  • If your insurance company offers multiple driver discounts then you could also try insuring your young driver with you so you could avail for the discount.
  • Also choosing the right car for your young driver is very important a brand new car model won’t help you lower your drivers insurance. The best car to choose is finding a couple of years old quality car.
  • You could go online and find insurance quotes for your young drivers, for on the net you could find one site that would give you 5 quotes of different insurance company. After getting the quotes you could compare them and see who offers you the best rates.
  • Do not be afraid to ask the agent if there are any ways or discount that could help you lower the rate of your young driver. If there are discounts then ask them the details so you could see if your young driver would be qualifies to avail for it.

You won’t lose if you prepared for the unexpected thing, for we don’t know what come when we are on the road. You could have a peaceful ride at first and the next thing you know you’re in an accident. Accident strikes without a warning so it is better to be prepared than not.

Cheap Young Drivers Insurance Guide – A Plan for When the Other Guy’s Not Another Driver

With this year’s hurricane and flood season approaching I started thinking about all the people that are going to be disappointed when they find out that their vehicle isn’t covered for the type of damage that may be inflicted upon it during something like a tornado or flood. This is especially true for new motorists who may have just really started driving and didn’t think ahead as they looked for cheap insurance for young drivers. I’d like to use this article to talk about how to keep your vehicle protected when the other guy isn’t another driver.

Most people may think that their cheap young drivers insurance covers them in all instances of damage to their cars. This could include hitting another automobile, hitting a tree, or being hit by something like a giant steel doughnut from the top of a restaurant. But sadly, this isn’t the case, and it is very important to understand the differences in coverage and how to get the best protection that is right for you and your situation. There are several factors that will determine if you need to have an insurance policy that covers you on that level.

If you want to be protected on a level that goes beyond collision coverage you are going to need comprehensive coverage as a part of your cheap car insurance for young drivers. Comprehensive coverage protects you in the event your vehicle is damaged in a storm, from falling debris, from theft, and from vandalism done to your ride. If you have a car that is relatively nice then this could be a good way to go to keep from having to pay for such damages out-of-pocket. But how does a person know if they need comprehensive coverage?

The best way to know if you need this type of protection included in your cheap young driver’s auto insurance policy is to closely look at where you live. If you live in a region that is hit by big storms or tornadoes every year with damage done to the surrounding area then you may need to get it. If you live in an area where there are tons of tall, old, and heavy trees that could fall as a result of a tornado or the like, then comprehensive coverage could save you some coin.

Another thing that could determine your need for comprehensive coverage on your cheap young driver’s insurance policy is the neighborhood in which you live. You must be honest with yourself to evaluate the likelihood of your car getting damaged or stolen. If you park on the street or in a non-garaged driveway then you are at greater risk of having these things happen. If you live in a neighborhood where mailbox-bashing is something that occurs frequently, then it’s probably only a matter of time before someone bashes your car windows in too. So, it is best to be prepared before these types of things happen by having the right coverage.

At the end of the day you may never need to take advantage of having comprehensive coverage as a part of your cheap insurance for young drivers. In fact, you may one day decide to get rid of it altogether. A smart way to do this would be to put the money you would be spending on this added coverage into a savings account that would afford you to pay for any non-collision damage out-of -pocket without having to file a claim. Only you know about the regional and neighborhood factors that determine your need for this added protection or not. I hope this article shed a little light on how to stay in the positive when it comes to saving money.