It is widely known that car insurance for young drivers can be expensive. This is because young people are more likely than older adults to get into an accident. Even if you are a great driver, your premiums are likely to be higher than an experienced driver. Fortunately, there are some things that you may be able to do to lower your premium.
The Car Being Insured
It is important to take into account the choice of young driver’s car as this may affect the car insurance premium A slick new model is tempting for anyone, but keep in mind that it may also make the insurance premiums higher than a used car. A high performance car with a powerful engine is likely to cost more to insure than a car with a less powerful engine.
There are some features that you can look for or have installed that may result in paying a lower car insurance premium. For instance, car alarms, tracking devices and engine immobilisers are all designed to deter the car thief. The safety of the car model itself in an accident may be important for your insurance rates too. Perform a bit of research on a variety of car models to find which car insurance group they fit into. Don’t take for granted that all cars made by one manufacturer will have similar safety ratings.
A Good Driving Record
Having a good driving history may be a great advantage when searching for cheap car insurance for young drivers. If you avoid committing traffic offences such as speeding, illegal parking and ignoring a traffic light you may can get better premiums by keeping a clean driving record. On the other hand, if you collect penalty points on your driving license your premiums could increase significantly.
Comparing Car Insurance Companies
It is worth considering comparing quotes from a number of car insurance providers before purchasing a policy. This is where a car insurance price comparison website may help as you can often compare numerous quotes from various car insurance companies within minutes. You may even be able to set up and purchase the policy online.