Young drivers car insurance has been a great thing for those individuals that have just passed their tests for some time now, and they can indeed lower premiums by hundreds of pounds. However, any people just are not making the most of it. They take car insurance quotes at face value rather than proactively working to lower it. It possible to lower them and save even more money if you take note of some simple but effective points.
Comparing quotes from various companies is obviously one of the main things you can do to lower the premiums that you pay to insure your car. The inexperience of young drivers means that it is easy to forget this point and go for the first quote that is obtained off the Internet or choose the first one they can afford. However, the more quotes you compare, the better the deal you are likely to find.
Your choice of car will also affect the car insurance quotes that you get. The image of the car, acceleration and the top speed all have the ability to put your premiums up or lower them. As such, your initial choice should be a wise one.
There are other elements to young drivers car insurance that you can control though. These elements will lower your premiums no matter who you get quotes from. For example, every policy has an excess so voluntarily increasing that excess will label you as less of a risk. It is as if you are offering a bond to cover your own good behaviour.
A second factor is whether the car is in its original factory condition. Young people are extremely tempted to get modified cars instead of regular ones and this can also increase your premium. If you make sure that there are no modifications on it at all then you will keep your premium as low as possible.
Where you live also plays a part in reducing the level of your quotes. Although your postcode is a big part of it and cannot be helped, you can ensure that the security is as high as possible. You may have an alarm fitted and should always keep it in a locked garage overnight if possible.
Using your car as little as possible is a further factor that could save you money. If your annual mileage is low then you will find that your quotes are cheaper because there is less of a chance of you having an accident if you are not on the road that much.
The final factor that could lower your car insurance quotes is having and maintaining a clean driving license. Avoiding speeding offences and other related points will keep your premiums as low as possible. Having points on your license increases the likelihood that you will break the law and have an accident so stay inside the law and your insurer will reward you!
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Young drivers beware! Before you pay too much for young drivers insurance check the amazing Powerseeker guide to cheaper car insurance.
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