Guide for Young Drivers To Get Cheaper Car Insurance

Before buying a Car insurance

Everyone is constantly hearing about the ridiculous insurance premiums that young people face when it comes to insuring their first car; however, although young people's insurance is never going to be 'low' there are several ways of making sure your insurance is the cheapest you can get.
Firstly, you should make sure your car is cheap to insure and run; before buying your dream boy racer, think about the cost of your insurance. You're much better having a car that's cheaper to insure for your first few years of driving and then swapping it for a car that you really want when your insurance is reduced. Every car belongs to a different insurance group between 1 and 50. The cheapest cars to insure are usually found in groups 1-5.

Things to be given Extra attention

If you can avoid modifying your car in any way then this will also keep you insurance low. A lot of people substitute their car wheel for alloys, not realising that this is actually classed as a modification, the best thing to do is leave the car the way that you bought it. You shouldn't only avoid modifying a car that you've bought but also avoid buying modified cars as they will knock your insurance up by hundreds of pounds.
Depending on which insurance company you use to insure your car with, having the pass plus qualification could be a huge benefit. Before taking the qualification you should check to see whether your chosen company offers discounts to young drivers that have it because not all of them do.
If you can afford to then it's always best to pay the whole premium upfront rather than monthly. This will help you to avoid the interest charges and also the increase charges that are put on policies which are paid monthly. If you choose to pay your insurance monthly you could find that the price rises by as much as £200 or £300.

You should think about the level of cover that you really need but also bear in mind that third party isn't necessarily the cheapest. If your car is worth under £1,000 then you should consider third party fire and theft insurance and if your car is worth under £500 then you should really think about it because you could end up paying more for your insurance than your car is actually worth. If you choose to go third party it's important to remember that if you have an accident your insurance will cover the repairs and compensation to the other party's vehicle but not your own.
Finally, you could add a named driver to your policy. If you add your mum or dad - providing they've been driving for a while - to your policy then this means they're also insured on your vehicle, and because of their experience it could bring your premium down dramatically.