Anyone who drives a customised car knows how difficult it can be to find a cheap insurance quote. Whether you have added simple modifications such as custom alloy wheels, a performance exhaust or increased the size of your engine, you need to tell your insurer if you want to be covered in the event of an accident.

The problem is that in the company’s eyes making these modifications to your car increases the risk of you having an accident. With an increased risk of accident comes higher premiums which can leave an owner wondering if the effort of building your dream motor has been worth it.

The trick to finding cheap modified car insurance is to track down an insurer that specialises in dealing with custom vehicles. You see, standard insurance companies don’t want to touch custom machines with a barge pole due to the fact they have little experience in the area of custom machines. They are unable to accurately quantify the risk you pose which leads them to quote premiums which are vastly overpriced.

A specialist insurer has the experience and patience to treat you as an individual to find a fair premium for your modified car. Seek this specialized modified insurers out and you will be rewarded with a quote which will leave much more money in your pocket.

A few things to remember when looking for cheap modified car insurance:

1. Be 100% truthful with the insurer about all modifications made to your vehicle. Failure to mention certain customisations may lead to your cover being null and void in any event that you need to make a claim.
2. Carrying out a search for Car insurance for modified cars online will cause you to find a good quote quicker and with much less hassle than any other method.
3. If you’re going to make major modifications to you car such as boring out the engine you should really get a quote before carrying out the work. Failing to find a reasonable price before undertaking major custom work such as this can lead to extortionate unforeseen premiums.

* Offer to keep your machine in the garage overnight.
* If you’re only going to drive the vehicle at weekends or during the summer months it will pay to get a quote for a limited mileage policy.
* Getting a security device fitted is a great way to get cheaper insurance. Not only will it reduce your premiums but it will reduce the likelihood of your pride and joy getting stolen by a thieving gypsy knob head. Trackers especially useful as they vastly increase the chances of getting your car back if it is stolen.
* Don’t use your vehicle for commuting.
* Stay away from major modifications such as boring out the engine.
* Work up a few years no claims bonus before you consider insuring a vehicle which has been heavily modified.

Passing your driving test should be a time of joy with a new sense of freedom in your life as you gain the possibility to go wherever you want, whenever you want. Once you’ve passed your test though it can be a struggle to get the money together to pay for all the expenses related to getting a car on the road.

Of course, first of all you need to get your hands on a car, this will naturally be your biggest outlay. Next up car insurance for young drivers is notoriously expensive, much more so than any other age group. The reasons for this is obvious, young drivers have little to no experience on the road, making them an increased accident risk. Insurers have to charge higher insurance premiums to young drivers to make up for all the policies they have to pay out on.

There are many other charges to add on which makes driving expensive such as getting your car MOT’d, Taxed and serviced, and then there’s the high cost of petrol which always seems to be rising too fast.

So, unless you’ve got really rich parents who are willing to foot the bill for all this you are going to have a tough time getting on the road unless you’ve got yourself a well paid job.

There are a few ways you can save some money which may allow you to get started for a little less. Obviously you can buy the cheapest car you can possibly find which may be a good idea, but make sure you’ve got some who is car savvy to make sure you don’t buy a heap of junk.

You may also be able to get cheap car insurance for young drivers from one of the many online insurance brokers who specialise in people who are new to the road.

There are a few things you can do to ensure that you have the best possible chance of getting cheap car insurance.

1. Buy a car which is in a low insurance group – These will be cars with smaller engines meaning they have less power and therefore as generally not crashed as much.

2. Insure a car under your parents name and get yourself put on as a named driver – This takes advantage of your parents experience as drivers and if they have a no claims bonus they are no using this could save you a lot of money on your car insurance. The only problem of not having your own insurance policy is that you won’t be building up your own no claims bonus.

3. Take The Pass Plus test – This is an extra driving test you can take for which many car insurers will give a discount on your insurance premium. This is probably the last thing you want to do after having your first driving test but if you are that way inclined it might make sense for you.

4. Get third party insurance – If you car isn’t worth too much money you might choose to take third party insurance which only covers the cost to the other driver’s car in the event of an accident.

5. Shop around – There are hundreds of companies out there who will be only too happy to insure your car for you. Make a point of getting car insurance quotes off as many as you can. Ask your friends where they get their insurance and how much they pay.

Most of the expenses involved in driving a car are unavoidable but it is possible to save a little money if you are sensible about what car you buy and how you go about getting your young drivers car insurance.

Rest assures that these are the toughest time in your driving career, things will get better as the years go on, you build up a no claims bonus and get more experience on the road.