Young drivers car insurance is one of the most popular car insurance products on the market right now. It has been around for a few years now and is designed to help youngdrivers to afford car insurance. Previously, they had been charged high premiums on regular insurance policies and that often put it out of reach. Now, however, car insurance quotes for this type of insurance puts it well within reach and makes it more available, but that is not to say that you cannot lower premiums further because you can.
The first step towards cheaper car insurance premiums is comparing quotes from a whole range of companies. This is the best way to find the cheapest and most comprehensive deals. Do not fall into the trap of finding a quote you can afford and choosing it without comparing other it with others quotes because you still may be paying too much for your car insurance.
When it comes to actively lowering them though, the first thing you should do is think about the car you want to insure. Choosing one with a fast acceleration time, a high top speed and a great public image will immediately raise your car insurance premium. As such, you should choose a sensible first car if at all possible.
There are other elements to young drivers car insurance that you can control though. These elements will lower your premiums no matter who you get quotes from. For example, every policy has an excess so voluntarily increasing that excess will label you as less of a risk. It is as if you are offering a bond to cover your own good behaviour.
A second factor is whether the car is in its original factory condition. Young people are extremely tempted to get modified cars instead of regular ones and this can also increase your premium. If you make sure that there are no modifications on it at all then you will keep your premium as low as possible.
Another factor is the location of your home. Although you cannot do much about your postcode, you can do a little about where your car is kept. If it is alarmed and kept in a garage overnight then that will lower your car insurance quotes considerably.
Using your car as little as possible is a further factor that could save you money. If your annual mileage is low then you will find that your quotes are cheaper because there is less of a chance of you having an accident if you are not on the road that much.
Finally, remaining within the law will undoubtedly make your car insurance quotes lower than would otherwise be possible. If you are a young driver and have points on your license for speeding or other infringements then the likelihood is your premiums will be very high, that is if you can get car insurance at all. Being careful most definitely pays off!
The first step towards cheaper car insurance premiums is comparing quotes from a whole range of companies. This is the best way to find the cheapest and most comprehensive deals. Do not fall into the trap of finding a quote you can afford and choosing it without comparing other it with others quotes because you still may be paying too much for your car insurance.
When it comes to actively lowering them though, the first thing you should do is think about the car you want to insure. Choosing one with a fast acceleration time, a high top speed and a great public image will immediately raise your car insurance premium. As such, you should choose a sensible first car if at all possible.
There are other elements to young drivers car insurance that you can control though. These elements will lower your premiums no matter who you get quotes from. For example, every policy has an excess so voluntarily increasing that excess will label you as less of a risk. It is as if you are offering a bond to cover your own good behaviour.
A second factor is whether the car is in its original factory condition. Young people are extremely tempted to get modified cars instead of regular ones and this can also increase your premium. If you make sure that there are no modifications on it at all then you will keep your premium as low as possible.
Another factor is the location of your home. Although you cannot do much about your postcode, you can do a little about where your car is kept. If it is alarmed and kept in a garage overnight then that will lower your car insurance quotes considerably.
Using your car as little as possible is a further factor that could save you money. If your annual mileage is low then you will find that your quotes are cheaper because there is less of a chance of you having an accident if you are not on the road that much.
Finally, remaining within the law will undoubtedly make your car insurance quotes lower than would otherwise be possible. If you are a young driver and have points on your license for speeding or other infringements then the likelihood is your premiums will be very high, that is if you can get car insurance at all. Being careful most definitely pays off!
