Finding Cheap Insurance For Young Drivers And Learners

Young people and learner drivers can have a hard time finding car insurance that is affordable. As a learner you pose an increased risk for insurers because you have no track record, are not an experienced driver and are by definition more likely to have an accident. Some companies will not even offer to cover learner drivers, especially teenagers. Many learner drivers are young, but not all of them.

For young people, it is often an option to get an extension on their parents insurance to cover them for driving their parents car. This is a good option and is fine when you are just having occasional use of a car that belongs to your parents. If you have your own car, you cannot do this. Having said that, it is not unknown for people to get cover for their new car by pretending that it is a parents car and that they are only an occasional user.

This is known as fronting and, while it may be fairly common, it is still a high risk strategy. For a start it is illegal, but if you were to be involved in an accident, it is almost certain that the company would not pay out, because your cover was fraudulent. This really is to be avoided, however tempting the cheap premium may seem.

If you do have your own vehicle and you want to find cheap insurance as a learner driver then that really is a challenge. But it is not impossible to find reasonable cost cover. You just have to know why insurers charge more, which then enables you to take steps to bring the costs down a bit.

Insurers charge a lot to insure new drivers because there is a long history of accidents caused by young drivers, which all result in expensive claims for the insurance companies. They have to make money, and they do this by assessing the likely risks of each type of insurance they provide and charging more for the ones that are statistically more likely to result in a claim.

There is little you can do about the fact that you are a new driver without experience, but you do have control over the car you drive, and that will affect the cost of your insurance too. While the temptation for boys in particular is to go for a shiny new fast car with a powerful engine, the insurers know that a learner driver plus a powerful car equals almost certain accident. This is only a problem if you happen to be wealthy enough to afford such a car anyway.

Resist the urge to get your dream car straight away and instead go for something older, smaller and less powerful. Such a car should be in a low insurance group, which is something you must check out before deciding which car to choose. All cars have an insurance group and this will have a direct impact on what premiums you pay.

If you manage to find a second hand small car that is not worth too much money, this will have a dramatic impact on making your insurance cheaper. You can also look at building in an excess for any claims you have to make, which will also reduce costs substantially.

Cheap Insurance For Young Drivers – Tips For Keeping Costs Down

There is a possibility of finding cheap insurance for young drivers if you follow a few steps that will help to keep the cost of premiums down. It is important to remember that young people are considered high risk because of their age and the fact that younger people are known to be involved in more accidents. Youngsters are more likely to get into accidents than older and more experienced older drivers and the statistics clearly bear this out. The records of road accidents clearly show that a much higher proportion involve younger drivers and in particular young male drivers.

Because of this, insurance companies raise the premiums to absorb the increased risk they are taking when they insure young drivers. All insurers will base their premiums on the likelihood of having to make a payout for a claim, and they assess the likelihood by studying the statistics for past road accidents and claims. Some insurance companies will not even insure younger people because of the higher risks involved, because they believe the risks of losing money are too great, or the premiums they would have to charge would be unrealistic. Young drivers with provisional licenses can therefore have trouble finding insurance. It is out there, you just have to look for it carefully and take a few steps to bring the price and the risk down.

How to Lower the Risk for Young People

In order to get cheap insurance for younger drivers you will have to lower the risks involved with young drivers. You can do this in several ways, including the following:

Having your young driver take a driving course such as the Pass Plus programme. The Pass Plus programme teaches a young driver how to drive under different conditions. They will learn how to drive in town and on a throughway for example. You can get a 20 percent discount from many insurance companies if your young person has taken a course.

Buying a small, second hand vehicle instead of a larger more expensive vehicle. Autos with large engines will have higher premiums than smaller engines. A small vehicle will do less damage than a large vehicle also and they are usually cheaper to repair too.

Avoid doing any modifications on the car. This includes tinted windows, alloy wheels, and even interior modifications such as bucket seats. Modifications can make the car more appealing to car thieves, which increases the risk to the insurers and therefore the costs. Some modifications to the engine can make it a high performance auto, which also increases the chance of accidents.

If possible try to keep your mileage low. Some motor insurance companies will take car mileage into consideration when they work out your premium.

Buy insurance online. You can get a 10 percent discount from most online insurance companies when you purchase your car insurance online. Oftentimes their insurance rates are lower because they have a lower overhead.

Do Not Be a Statistic

One third of all road fatalities are young drivers between the ages of 17 and 25. One out of every five young, new drivers has an accident in their first year driving. 17 to 21 year olds make up seven percent of the people who have a driver’s license. When it comes to injury accidents, they make up 13 percent. Pay attention when driving, so that you do not become a statistic.

Finding Cheap Insurance For Young Drivers Can Be Done

There are many insurance companies now who will not even entertain the idea of offering insurance cover to a teenager, so finding cheap insurance for young drivers is not always an easy task. The reason insurance companies are being so difficult is because of the statistics relating to accidents and young drivers. Lack of experience mixed with peer pressure, speeding, and alcohol does lead to far more accidents than will more experienced and older drivers. More accidents means more claims, which costs the insurers a lot of money, so they either stop insuring youngsters altogether, or they put up the premiums to reflect the increased risk of having to pay out.

The Statistics For Young Driver Accidents

Each year about 3,000 young drivers are seriously injured or killed on UK roads. Of all serious road accident one in five are caused by a driver under the age of 21. One out of every five new drivers will crash their car during their first year of driving. These are the hard facts and are what insurers use to calculate the risk of claims and therefore the cost of premiums. The best way to get cheap insurance and keep it is to drive safely and establish a proven record of being a responsible driver.

How to get Cheap Insurance for Young Drivers

Most insurance companies will give discounts for doing different things to improve your driving skills, because this is generally seen as something that reduced the risk of you being in an accident. Taking a driving course such as Pass Plus can give you a 20 to 30 percent discount on your insurance with some companies. Pass Plus will teach you how to drive under different conditions, so your driving skills will improve by taking this programme. By becoming a better and safer driver you are seen as a reduced risk and safer bet by insurers, so your premiums come down.

You can often get a 10 percent discount on your premium by buying your insurance online. There are a great deal of companies available online that you can get quotes from to try to find the best cheap insurance for young drivers. Some insurance companies will give you a break on your insurance for low mileage, so only drive your car when it is necessary and keep the mileage accurate. Keep a record of the mileage on your vehicle so you can report how many kilometers you drive each year. The lower the kilometers the more the insurance company will reduce your insurance.

Buy a cheap car for your first car and make it a small model vehicle. Cars with big engines will cost more to insure. Any fast and powerful car is more likely to be involved in an accident, and the parts tend to cost more to repair. Insurance companies take motor size, the type of car, the year of the car and the size of the car into consideration when calculating your premiums, so curb your desire for a new sports car and go for something cheap and cheerful.

If you want cheap insurance for young drivers you should avoid doing any modifications to your vehicle. Do not tint the windows or add alloy wheels. Do not do any interior modifications either; such as adding bucket seats. All modifications will increase your insurance, especially modifications to the engine. Modifications make a car more appealing to car thieves. Cars with modification are also more expensive to repair.

Park your car in a garage at night instead of on the street. Insurance companies like to know your vehicle is secure and is protected from thieves.

Is There Really Dirt Cheap Auto Insurance?

Can a driver really acquire dirt cheap auto insurance? This is a question many ask and they will be pleased to hear the answer: it is definitely possible to get cheap auto insurance. Some may think that inexpensive auto insurance is an elusive creature, but it is really not that difficult to acquire an inexpensive policy provided one follows a few steps that can greatly aid in reducing premiums.

There are always ways to seek a variety of quotes from different auto insurance providers. In the past, this was a laborious process. Today, online applications make it much easier to submit quotes to multitudes of companies. As a result, it is possible to review many different quotes in order to select the dirt cheap auto insurance that best suits your needs.

The number of miles per year that you drive your car also factors into your insurance costs. For example, if you only drive a car 4,000 miles per year your insurance coverage can be adjusted to a lower amount. This is because your are spending very little time on the road and that means the odds of getting into an accident are far less than someone who drives 10,000 miles a year or more.

When you are not driving your car, where is it parked? If it is in a garage or a gated community, this will also factor into the price of the insurance. Parking your car in a protected area reduces the potential accidents it may suffer if it was parked on the street. Since you risks of problems are reduced, the potential to acquire dirt cheap car insurance is possible.

How you actually drive is also a major factor in keeping your insurance premiums low. If you are a person that racks up speeding tickets and moving violations, you will discover your car insurance premiums steadily climbing. Conversely, if you are a safe driver you may get a bonus discount. Some providers will offer discounts to those who enroll in defensive driving courses. The bottom line here is it is best to remain a careful driver. It will not only maintain your personal safety, it will keep your insurance premiums low.

Consolidating insurance plans can often yield a discount. For example, if you own three cars you could put all three cars under a single insurance policy. This could lead to a decent savings that would not be acquired if you took out 3 separate policies. It is also possible to acquire dirt cheap auto insurance by combining car insurance with home insurance policies. Once again, insurance providers love to offer deals in order to keep your business. Through combining various policies it can be possible to acquire a great deal on cheap auto insurance.

Do you have a car alarm in your car? More than likely, you already do because many alarms are installed by the dealership or manufacturer automatically. Now, did you know that some policies may offer a discount if you have an alarmed installed? Always mention this when dealing with the provider. It could save you a few dollars on that monthly premium.

How you pay your insurance can also be a factor in how much money you save. There are insurance providers that will offer a dirt cheap auto insurance discount if you pay the entire premium up front and in advance. Inquire about this when you receive an insurance quote. Most providers would love to receive full payment in advance and offering a discount is one way they can get their wish.