Car Insurance Tips for New Drivers

If you just got your license, you should remember one thing: insurance isn't cheap. You're young and new, and if you're also male, you will pay the highest insurance premiums on the market. However, John Eagle found some ways to make this insurance a little cheaper.

Car Insurance Tips For Newly Qualified Drivers

So you've just passed your driving test and maybe even bought your first car. The next major headache could be finding your car insurance. There is little doubt that young drivers and newly qualified drivers face some of the highest car insurance premiums.

Understanding the reason for this can be summed up with these four startling facts.

1. 20% of new drivers are involved in an accident in their first year.

2. Male drivers under the age of 21 are 10 times more likely to have an accident than male drivers over 35 years of age.

3. 1 in 8 UK drivers are under 25 years of age but 1 in 4 drivers who are killed in car accidents are in this age group.

4. Young drivers have a higher percentage of accidents at night than older drivers.

However, there are a number of measures a young driver can take to save money on car insurance. The first option could be to continue learning. By completing the Driving Standards Agency's Pass Plus Course you will find insurers who offer substantial discounts. The course is designed to improve a newly qualified driver's experience and consists of six practical modules covering driving on a motorway, driving at night, driving in towns, driving out of town, dual carriageways and driving in all weather conditions. There is no test with the course.

Another point worth considering is choosing a car in a low insurance group. Every new car in the UK is assigned to a car insurance group from 1 to 20. A car's insurance group reflects how much the car is going to cost insurers per claim. Cars in group 1 are going to mean a lower insurance premium as they represent the lowest cost for insurers. So ideally, you should be looking for a car that is in a low a group as possible.

Also avoid the temptation to modify your car. Fins, spoilers and other add-ons may look cool but will almost certainly result in a bigger car insurance bill.

Improving your car's security can also help reduce your insurance premium. Best of all, would be to lock your car in a garage overnight but if this is not possible at least keep it on a driveway and not in the street. You could also consider fitting a security device such as an alarm or an immobiliser.

Finally, if you drive safely, within the speed limit, and adhere to the rules of the Highway Code you will undoubtedly reduce the risk of being involved in an accident. And by avoiding accidents you will be able to earn a no-claims discount when you come to renew your car insurance.

Please visit http://www.cars-vans.net/blog for more information on motoring in the UK.

Source: EzineArticles.com.

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Good luck,
Nadav

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