Where for student car insurance?
If you
want to buy cheap young driver insurance right now, we would recommend
going to our article on young
drivers car insurance in our
'Buyers Guide' section that offers
the most useful advice on this.
One thing students tend not
to have much of is money. And yet this is the very thing that insurance
companies would have them part with to excess whenever they buy student
car insurance in the UK. What can be done?
Well, quite a bit. The smart student starts the cost-saving process
when she purchases her car. She knows that if she checks out the motor
insurance group to which a car is assigned - and the lower the
group the better - she will save money on her student car insurance
cover. If she buys a car insurance group one car, she will save
potantially thousands over the lifetime of that car.
If we impose some gender stereotypes to this scenario, then the
following might be argued. Many female students are content to buy a
modest car of this type (a group one car), for instance, an Astra. Male
students often select more powerful cars. This is largely because youth
and testosterone are an uneconomic combination in the motor car arena,
just as youth and oestrogens are uneconomic in the High Street.
Thus, a male student should always take a sensible female with him when
he chooses his car as she will be able to remind him how expensive his
student car insurance
will be unless he listens to her. He won't
listen, of course, but it is worth a try.
Male students do tend to be more receptive to cost saving measures in
terms of student car insurance policy
manipulations that will cut costs. These include increasing the Excess
and being practical about those policy inclusions that are essential.
Female students often take a more balanced approach. They are more
reluctant to significantly increase the Excess as they would struggle
to pay this amount in an accident and they are anxious to keep their
car if an accident does occur.
Similarly, the female seeking student car insurance also is
careful not to pair down her policy to overly 'no frills' levels as she
recognises the purpose of that cover - to avoid excessive costs in an
accident.
The male arranging student car insurance is less interested
in the consequences of purchasing a 'thin' policy.
In terms of where that student car insurance might be
obtained, females are slightly more likely to impose a quality aganda
and use a specialist student broker, such as Endsleigh; while males are
more likely to use a price comparison site to compare much more quotes
with a view to selecting cheap cover, if not an otherwise altogether
attractive student car insurance policy.
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