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| 19 July
2010 (source: in-house) Young Person 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. For any individual under the age of 25, the task of finding affordable young person car insurance can present quite a problem. It's a real headache trying to get car insurance at a reasonable price. That's why it's essential to do all that you can yourself to reduce the cost of that cover. We therefore look at what measures are available to you to reduce the price of your policy. While some of these will not be possible to apply in your individual case, the more of the below 'boxes' that you can tick, the lower your young person car insurance quote will be. The car itself, of course, is the most significant component. It's essential to be modest in your car choice to avoid your young person car insurance costing a fortune. Before the 1-20 car insurance rating system was abandonned, we used to suggest always getting a small, group one car such as a Corsa. While the cars to get have not changed they now occupy car insurance groups from 1-8 according to the new 1-50 Thatchem car insurance group rating. You should also avoid upgrading your car, with, for example, alloy wheels as this will increase you young person car insurance premium. An upgrade that is worth doing, however, for a lower young person car insurance price is to fit a Thatchem approved security devide to render your car less of an insurance risk. Your car dealer will be able to advise you on appropriate devices. Clearly, if you can improve your parking security, this will help too. Garaged is best while off-road is better than on-road. While it is unlawful to have a parent 'front' your policy by pretending that they are the primary driver when they are not, you can add an over-25 year old to your young person car insurance polciy as a second driver and this can reduce the price. Fronting is a risky approach as it invalidates your cover. If you don't drive a lot of miles per year, cap your annual mileage. Often under-25s increase their voluntary excess to cut down their young person car insurance but you would, of course, then have to pay more yourself in an accident. Another key approach is to be ruthless in your willingness to jetison any features that you can manage without. The typical low cost young person car insurance policy is very much a 'no frills' policy and, while you shouldn't go for the cheapest price regardless of the cover you get, it does pay to be practical. While not for everyoen, some young people even go to the extent of taking an advanced drivers test. As this increases their driving skill level, car insurers will reognsie this in determining the premium. Naturally, using a price comparison system to compare as many quotes as you can will also help you o find the most competitive young person car insurance price. Endsleigh Insurance, the youn person's specialist is also worth a look. Quite a lot you can do then, but, for reasons reviewed elsewhere on this site,we do not advise third party only cover. car
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