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Young Drivers Motor Insurance at the Car Insurance SupermarketIf 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.There is no easy solution to cutting the cost of young drivers motor insurance. They, after all, are much higher risk drivers than older, more experienced, less exuberant and less sensation-seeking, agegroups and the high young drivers motor insurance premium is consistent with this increased cost to the insurer. Is there anything that can be done to help keep down this high cost of young drivers motor insurance? Certainly. And it begins with a prudent car purchase. Although there is no statutory requirement for them to do so, insurers take account of a car's car insurance group (rated 1- 20) in calculating the premium. The lower this rating the better. We strongly encourage young people to buy a car insurance group one car as their first motor car to hugely reduce their young drivers motor insurance premia over a number of years. A Corsa or Fiesta are examples of car insurance group one cars. Then there are things that you can do in relation to your young drivers motor insurance policy selection that can help too. Would you be happy to increase the voluntary excess, for example? And what do you absolutely need in your cover? Could you manage without breakdown or courtesy car arrangements? Would, for example, the Tesco's no frills plan be enough? Some that are seeking especially cheap young drivers motor insurance select third party cover only. While this can reduce costs further, it does lay you open to significant uncovered risk and we therefore cannot recommend it. Your approach to young drivers motor insurance policy purchase is important too. When you are expecting to pay a lot, then checking a lot of quotes at once is just about mandatory. The car insurance broker, Endsleigh, specialises in young drivers motor insurance and is likely to get you a good quote. For a more powerful 'best of' quote, then you can use a price comparison service (links at the top of this page). We actually advise using both for those keen to get the best deal around. It doesn't take very long to fill in two quote forms and it is always worthwhile to explore the market thoroughly when you are anticipating significant expense. Of course going very cheap should not be the only criterion on which to base you selection of young drivers motor insurance. What your cover includes, and importantly, excludes, needs to be scrutinised before you buy. We typically advise that buying the lowest priced young drivers motor insurance policy that you find is often unwise, simply storing up trouble (i.e. cost) when a later claim is made. Crossing your fingers and hoping for the best is a faulty approach to buying insurance. |
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