Guide to Affordable Car Insurance for Young Drivers
Guide to Affordable Car Insurance for Young Drivers
Young drivers are also statistically much more likely to make a claim on their car insurance. This means you will be in one of the highest risk brackets when it comes to setting premiums.
Why Young Drivers Need Insurance
Car insurance for young drivers is very important. This is one of the legal requirements for driving on the roads. Many younger drivers take the chance of driving without car insurance as it can be so expensive. However this is a risk that in reality you cannot afford to take. Driving without car insurance is a very serious issue. The police can employ sophisticated technology which can identify whether you have insurance just from scanning your number plate.
If you are caught then you can face a fine of up to 5,000 and get as many as 8 points put on your license. In some cases this could lead to an instant driving ban and your license could be revoked. The cost of driving without car insurance is just too high and not worth the risks.
It is possible to get affordable car insurance for young drivers if you know where to look. Here are just a few essential tips for saving money on car insurance and also getting the right cover for young drivers:
Protect Your No Claims Bonus - you can get a no-claims bonus discount if you have had car insurance for a least one year (and made no claims). If you can make it to 4 years without making a claim then most insurers will offer you the chance to pay to protect this no-claims bonus. This will be under certain conditions such as you do not make more than one claim in a year. Although this can cost a little extra it may benefit you when it comes to renewing your insurance.
Breakdown Recovery you need to consider carefully if you need breakdown cover included in your insurance policy. It can sometimes be cheaper for you to take out a separate breakdown policy. This is particularly true when it comes to car insurance for young drivers. You may already have breakdown cover as incentives from your credit card or current account provider.
Reduce Mileage it can be exciting having the freedom of owning your own car for the first time. You will probably want to use your car all the time even for short trips. However the more miles you do the higher your insurance (and fuel costs) can be. Most insurers will ask you for an estimated annual mileage. You can save money by cutting down on any unnecessary trips and only using your car only when you really need to.
Lost Key Cover many people don't realise just how expensive it is to replace lost car keys these days. It could cost up anyway from 200 to 1,500 to get replacement keys/locks and this will depend on the make and model of your car. Can you afford to cover this out of your own pocket? If not then this could be a very important back up feature when taking out car insurance.
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