Insurance for Youth
How to Get Cheaper Car Insurance for Young Drivers
Car insurance for young drivers is far more expensive than other categories, but why?
Consider these easy steps which can help reduce premium on your young driver or student car insurance:
- Think twice about the type of car you buy as some cars have higher premiums than others. These premiums are based on the fact that statistically some makes of cars are known for being stolen or involved in accidents more often than others.
- Choose a more mainstream make of car with easy to get, less expensive parts. A large majority of imported cars will have more expensive and difficult to obtain parts; this results in more costly car insurance. In some cases insurers may not even be able to offer cover for these vehicles.
- Don't buy a car that has been modified.
- Fit a security alarm and park your car in a locked garage rather than on the street.
- Plan ahead, never drink driving or disobey any road rules. This will reduce your chases of an accident which has immediate benefits along with long term benefits such as many insurance companies offering no claim bonuses that can build over time to give substantial savings on your premium.
Often due to cost factors, young drivers may consider only the cheaper options of motor insurance covers being Third Party Property Damage or Third Party Property Damage with Fire and Theft cover. Sometimes this is the best option if you're driving an older car, however, check around and compare prices on comprehensive car insurance for young drivers. Comprehensive car insurance comes with some handy benefits such as emergency accommodation, alternative transport if you're far from home and cover for personal property damaged in a car accident.