How to
keep down costs when you buy young persons car
insurance
The young person's car insurance
policy, where that individual is under 25, will, potentially, be very
expensive as a result of the high insurance risk associated with young
drivers. While there's nothing you can do about your age, there are
numerous steps that can be taken to minimise the cost of your cover.
There
are certain things that you shouldn't do to try to drop costs, the main
one being not to allow an older person to 'front' your policy, alleging
that they are the primary driver when they are not. Insurance companies
easily spot this type of fraud which invalidates any claims. You should
also avoid taking our third party car insurance as you get no cover for
driver or passenger injury if you cause the accident or, indeed, if you
are in an accident with an uninsured driver of which there are over 2
million on our roads in the UK.
So what can you do? Perhaps it
will be too late to be giving this advice if you already own a car, but
the most important money-saving choice is to buy the right car. A
Thatchem insurance group under ten is wise and, of course, the lower
the better. We recommend cars like a Clio or Corsa.
Once you
have your car don't customize it and potentially increase the insurance
cost. The only exception to this is to improve security via a Thatchem
approved device that's suitable for your vehicle.
Particularly
if living in a high insurance risk area, if you can store your car
off-road - ideally in a secure location like a garage - this will help.
Many
seeking young person's ar insurance will increase their voluntary
excess as well as decide to take a very practical look at what they
could realistically leave out of their policy to keep down costs. For
this agegroup, no frills cover is often a good choice.
If you
will be using your car infrequently or for short journeys, cap the
annual mileage. Often adding an over-25 year old as a second named
driver will help. This is not fraudulant, assuming that that individual
could occassionally drive the vehicle.
Some enthusiasts will get
their advanced driving test. This not only reduces the cost of car
insurance for the young person but it continues to do so for all later
insurance premia.
This is not necessarily an exhaustive list but
if you address as many of these as you can it will help, as will
choosing a price comparison quote engine to find your cover. We can
also recommend the young driver's broker, Endsleigh. To compare
car
insurance using either
of
these
options, this site will assist you to get low cost young persons car
insurance cover quickly. More..
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