There is no escaping the fact that if you`re a young person, you (or more likely your parents) are likely to have to pay a large amount in order to insure you to drive.
It might seem harsh that you face such a hefty insurance premium when you`ve just set out as a driver, but when you look at the facts, there certainly isn`t anything unfair about it at all.
Statistics show that as a young driver you are much more likely to be involved in an accident and because of this, you represent a far higher risk to an insurance provider. In other words, there is a greater chance that they are going to have to pay out on a claim for you.
It`s a fact that one in every five drivers will be involved in some sort of accident during their first year. And further statistics show that accidents where a young person was driving are more likely to be serious, involving injury and even death.
Although there`s no getting away from the reality that premiums are going to be relatively high for a young driver, there are some things you can do to bring down the cost of car insurance.
One of the easiest steps is to choose a vehicle that is in a lower insurance group. Flashy looking cars with powerful engines may be highly desirable, but they are also going to be more expensive to insure.
Once you`ve chosen your vehicle (in a low insurance group) and have got it insured, you will need to concentrate on building up your no claims discount. This is a premium reduction which your insurer will allow you after a year of careful driving, avoiding any involvement in accidents. Follow the traffic rules, keep within the speed limit and reap the benefits of a discount when you come to renew your insurance. The discount builds up further with each successive year of accident-free driving.
On no account should you make any modifications to your vehicle. Whilst spoilers and fins might look the business, they will undoubtedly mean a higher premium on your car.
It`s often possible to get a lower insurance premium by making improvements to your car`s security. Insurers always prefer it if the vehicle is kept in a garage overnight, or at least is parked on your property rather than in the road.
Also fitting an alarm and immobiliser system is a good idea, as well as using measures such as etching the registration number on the windows or fitting high security locks on the doors and ignition.
And don`t make your vehicle a magnet to thieves by being lazy. Take out the radio and sat nav when you park up the car and never leave valuables on display.
When you`re searching for an insurance policy, making sure you do a fair comparison between different providers. Whilst one policy may seem to offer a lower premium, check exactly what features it offers. It may be that what seems to be a cheap deal, is actually a deal that doesn`t provide the benefits a more expensive policy includes. In particular you should be looking closely at the levels of any excess you would have to pay if you make a claim.
By following these tips, you should be able to secure the best deal possible on your insurance. As a young driver, you`ll want to find a car that`s reliable and stylish and there are some great Used Ford cars for sale. Happy and safe driving!
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