Routes to cheap young car
insurance quotes
Getting
young car insurance at a favourable price is a hard task. Young
drivers, of course, are a high risk to insurance companies and the
premium is therefore high.
Some young people attempt to get around this by pretending that an
older person - generally a parent - is the primary driver. They list
themselves as a second driver. Insurance companies when they spot this
deception - and they often do - will not pay out; so it's unwise, risky
and cannot be recomkmended, not least, of course, because it's
fraudulant.
Others trying to reduce the cost of young car insurance select third
party car insurance but this is also a mistake. Third party cover does
not cover personal injury or losses where you are responsible for an
accident and is therefore too risky.
There are several things that you can do, now briefly reviewed.
First of all, you need to have the right car. A modest, smaller car
like a Corsa is a good choice or any car that's under car insurance
group 10 (of the 1-50 Thatchem rating).
In the case of young car insurance, a very practical approach to what
you need in your cover is warranted. Think 'no frills' rather than aim
for more ambitious cover. It's also worth considering a higher
voluntary excess, although you don't want to overdo this and then face
unmanageable costs in an accident.
If you can improve in-car security, do so. Thatchem approved devices do
help. Similarly out-of-car security improvements - ideally overnight
garaging - are worth addressing, if possible.
Some young people are able to cap their annual mileage at a lower
level. Having an over-25 as a second driver is legitinate as long as it
would be feasible for that individual to occassionally drive the car.
Some young people even go to the extent of getting an advanced driving
test certificate but there are costs and time involved, of course, in
doing the training; so it's better reserved for enthusiasts.
Clearly, the more prices that you can compare the better in this
category. Thus, a good price comparison site is a sound choice. That
doesn't mean that simply buying the cheapest-priced quote is wise. You
should still check over what you're getting.
You may also want to consider using Endsleigh, the young driver
specialist broker.
A standard UK insurance
supermarket can help you
quickly
select either of these routes to low cost young car insurance cover.
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