Getting Cheap Car Insurance For Young Drivers
Young drivers often feel like they get a bit of a raw deal. You’ve just spent a fortune and a huge amount of energy to pass you driving test and then along comes a new batch of expenses trying to dampen your enthusiasm.
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.
