The euphoria that follows the examiner nodding and smiling and telling you you've passed has hardly gone away before the more mundane realities of driving come to the forefront. Besides your licence, you need your tax, MOT certificate and, of course, the correct insurance so that you can be on the road in your car.
Now, it has to be said that car insurance for teenagers and young people is never cheap - that much is a fact. This is for the simple reason that teenagers and young drivers are, statistically, more likely than any other driver to be involved in an accident. The trick with getting reasonable car insurance for teenagers lies in how much of a reduction you can manage to gain for your policy. So, what can you do to get that sky-high figure down to a more manageable level?
How to Get The Cheapest Young Drivers Insurance
First of all, it would be sensible to mention a change to the law that took away the formerly popular act of 'fronting'. This was when a parent or other experienced driver would be the first person on the policy, with the young driver put as a named driver. This used to reduce prices considerably, but is now illegal. But there are other ways and means of bringing car insurance for teenagers down.
Firstly, it would make sense to take further car instruction. After passing your test, you can apply to take on the Pass Plus course or others like it. There are no further tests to take, and they merely attempt to make you a better driver, such as training for driving on motorways and other techniques. These courses can lead to discounts on your young drivers insurance policy.
Secondly, and this might dent "street cred" a touch (!), but avoid brand new cars. Insurance companies will look at a young driver driving a newer car and reason that, if there is an accident, a newer car will cost a lot more to fix, and therefore increase the price.
You have to balance this against the next point when looking at car insurance for teenagers, and that is safety features. Models with any or all of ABS, airbags, crumple zones and other safety features, as well as an overall high safety rating, will fit into a lower insurance risk category. The net result of these will be a cheaper policy for you.
Also, you can drive less! This might seem strange but if you can bring your mileage down as far as you can, you are spending less time on the road, and therefore less likely to be in an incident. Insurance works by calculating risk, and if you can reduce your risk of an accident you can commensurately reduce your young drivers insurance's policy price.
As a final piece of advice, make use of the numerous price comparison sites out there. You might be surprised how different companies treat different types of drivers, and by comparing them side-by-side you could find yourself on the receiving end of a good discount. Happy hunting!
Visit www.car-insuranceuk.com regularly for the latest and best car insurance news and links to the best car insurance providers. Please follow the links on this page to obtain your own personalised car insurance for teenagers or cheapest young drivers insurance quote and make your own comparison.
© June 2009
