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Lowering Insurance Premiums For Young Drivers

Lowering the cost of your insurance premium is becoming more important now than it ever has been, especially to young drivers. Insurance companies see young inexperienced drivers and automatically place them as a high risk as the general statistics show they have a higher risk of having an accident. When most young drivers pass it’s the ultimate sense of freedom, and as a result of this, they want to make sure they keep this sense of freedom by driving safely, however in front of friends this may be a different story and young drivers can become reckless.

When picking the car you’re going to insure, get a smaller engine. For example a 1.2 litre engine as appose to a 1.6 litre engine. Buying a car with a bigger engine will increase insurance costs because the car is seen to encourage dangerous behaviour due to its power. Cars are placed into different groups, the higher the group, the cheaper the insurance premium will be. A sports car would be more costly on insurance compared to a ‘normal car’ as it would be in a higher insurance group. If the young driver is buying an old vehicle, ensure safety features are fitted that are used commonly in modern cars as this will also help to reduce your premium.

Adding an older more experienced driver to your insurance policy will sometimes reduce the premium. If you have to place the insurance policy in the young person’s name, place the car in their name too. In some cases insurance companies won’t cover you and your vehicle if the main driver is not also the owner.

Possibly one of the most crucial things you should do when getting car insurance is to look around! Prices range depending on the insurance firm therefore looking around for the cheapest is recommended rather than taking the first price you receive. Read reviews and get suggestions from your friends and family. There are also comparison sites to find the cheapest insurance companies, although don’t take their word solely.

Being eligible for discounts will help when looking for the cheapest possible insurance. At insurance firms discounts are usually given to young drivers with good academic grades, this is because young people with better grades are believed to be safer on the roads and therefore are less of a risk to cover. Discounts are also available for drivers who family are with the same company, almost like a royalty reward.

After taking driving lessons Birmingham and passing your test, you can then take an additional course called a pass plus course this is something that you can take to reduce your insurance premium and it gives you confidence on other aspects of driving, for instance all weather driving is included in the course.

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