It’s always frustrating when you’re still a teenager trying to find the cheapest deals on your car insurance. It doesn’t matter how a good a driver you think you are or how carefully you drive on the roads, your biggest sin is that you are a teenager and that’s it. No matter what… insurance companies will always put young drivers in their ‘highest risk’ category and will demand much higher premiums.

What’s more worrying is what the statistics reveal, there’s little surprise as to why motor insurance for young drivers is so expensive. Eighteen year old’s are more likely to be involved in three times as many accidents than drivers who are aged over fifty. And as a national average here in the UK, a third (33%) of all road fatalities are caused by the recklessness of young drivers up to twenty five years of age.

It doesn’t stop there, young drivers also experience more car thefts, fire and vandalism all leading to expensive claims on their car insurance. But not all is lost, there is a way for sensible young drivers to reduce their premiums quite substantially although it may be a bit of a dent to the male ego, females are naturally smarter that’s why they pay less on average for their insurance policy.

So how do you get your insurer to lower the premiums? ‘Simplzzz’ as the meerkat on the TV advert would say, swallow your pride and get yourself a cheap small engine used car for the time being. If you are a young male teen then I understand It might not exactly fit in with your idea of a ‘babe magnet’. Young female drivers are always more sensible and responsible drivers so I hope you don’t mind if I exclude you from this conversation.

As long as the car is in good mechanical condition that’s all that matters, a few minor dents here or there will save you more on your purchase initially and you wont get so freaked out if you pick up another couple of accidental dents along the way. With regards to insurance, go with the cheapest you can get which will be ‘third party only’ and next up is ‘third party fire and theft’

Another way of reducing the cost of car insurance is to go on the ‘Pass Plus’ course. This is a training course specifically designed for newly qualified drivers which teaches more advanced driving skills such as, night driving, driving on the motorway, driving in congested areas such as town centers etc. Getting through the Pass Plus course could save you up to 30% on your car insurance – that’s quite a significant discount.

Young drivers motor insurance doesn’t have to be expensive, off course you will need to make some sacrifices but its savings all of the way if you do. Choosing a used and smaller engine motor saves on both insurance costs and road tax plus additional savings due to reduced fuel consumption. That should at least make you smile!



Source by Eric Penning

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