Driving insurance for young people
First the bad bit: driving insurance rates for young people are always high. A
combination of factors including, not least of all, the fact
that they are have a perceived high risk explains the high rates.
You need to understand what these factors influencing your rates
are and how you can make them work for you, thus bringing your
cost of car insurance down.
The best cars for young drivers are saloons
and small, light vans. Any car in the lower safety group
rankings is good for you. These cars are less powerful, easy to
control and safer on the road. Insurance companies give lower
quotes for them than their faster counterparts.
The only way to find out is by comparing quotes. Get quotes from
both general providers and specialists in young drivers’
insurance. Since getting quotes from each insurance company can
be tedious, use the services of a comparison site. They do the
hard work that is collecting quotes, and present them to you for
comparison. Check the kind of discounts available in each quote.
The more discounts a provider can give you, the lower your car
insurance rates will drop. Most insurance companies give
discounts when a young driver has undertaken a defensive driving
course or accepts a higher policy excess, and some are more
generous to those who list a more experienced driver, who could
be a parent or older sibling as the secondary driver. Note the
term 'secondary; listing a more experienced person as the
primary driver, when in fact the young person drives the car the
most, is called 'fronting' and is illegal; insurance companies
are very aware of this practice and make a point of looking out
Copyright David Bloore 2011