Compare Car Insurance for Young Drivers
Compare car insurance for young drivers and find the right policy for your specific needs. Just because you are new to the road doesn't mean you are invincible. In fact, young drivers are much more likely to get into an accident than any other age category. Because of this, new drivers are also much more likely to experience a lot higher rates when they compare term car insurance. Find an insurance policy you can be happy with, even if the price is a lot higher than the average, when you compare car insurance for young drivers online.
Compare Cheap Insurance Prices
There are several ways to lower your insurance rates when you compare car insurance for young drivers. First of all, look into a no claims bonus or discount if you have been driving for three years or more. For some providers, this is 5 years but either way, if you have had your license and been buying car insurance since you are 16, by the time you hit 19 or 20, you should be eligible for a drastic reduction on your rates. The only catch is, you must remain completely accident and claim free during this time.
A no claims discount is also termed a safe driver discount or accident forgiveness and can reduce how much you pay by as much as 75 percent! As a young driver, however, you can expect a lower reduction than this. But, any little amount is better than paying full price for your cover. Another thing to remember when you compare car insurance for young drivers and compare the no claims discounts through each provider is that you need to be driving the same vehicle for this period of time. If you purchase a new car during this time, then your no claims bonus starts at year one again.
In addition to the no claims bonus discount, you should also compare providers for other discounts for young people. Look into adding anti theft devices to your car which can reduce your rates. Driving less than 5,000 miles per year can also help you get a better price on your policy as you can qualify for the low mileage discount, offered through certain providers.
You may also be able to save when you compare car insurance for young drivers depending on what type of vehicle you are insuring. A lower powered or small car is often cheaper to insure than a high performance vehicle.
Pass Plus Program
Another good option for young drivers is the Pass Plus program. This is a driver education program designed by the Driving Standards Agency (DSA) which helps young drivers become more familiar with the roads. Drivers that pass the program will be better equipped to handle all types of conditions, from night driving to driving in town, to driving during poor weather conditions to driving on dual carriageways. The Pass Plus program is aimed at those that are inexperienced at the road and many providers will reward those with a Pass Plus by providing cheaper rates.
How long you must remain in the program and how much you need to pay will depend on your individual driving skills. Most courses are for at least six hours. It is a good idea to compare different Pass Plus programs offered in your area to determine how much you will need to spend. Once you have the Pass Plus on your license, you can compare car insurance for young drivers and notice a big difference in your quotes.
Compare Car Insurance for Young Drivers and Save
Many people assume that the easiest way to get the best price on their coverage is to insure with the basic policy. Just because you are new to the roads doesn't mean you should risk it all by insuring with the cheapest policy. Although new drivers tend to be teenagers or students and thus do not have a lot of money to spare, this does not mean you should sacrifice your level of cover just to save a few quid. Make sure you are insuring for your specific needs which generally includes comprehensive, theft and fire cover, not just third party cover.
Young people need all the help they can get in terms of car insurance discounts. This is why it is so critical that you compare car insurance for young drivers before you accept the first policy on offer or go with whatever company your parents or friends are using. Furthermore, all providers are different which is why it pays to compare car insurance for young drivers. Some may refuse to insure you outright and others may offer you a price that is way too much. However, the more you compare, the more likely chance you have of finding the right policy and the right provider for your needs.
What People Are Saying
"I was surprised how quick and simple it was to compare quotes on car insurance cover through this site. I am definitely saving a lot of money, thanks!"
Olivia C, Glasgow UK
