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| 5 July
2010 (source: in-house) First Time 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. The key problem when attempting to obtain first time car insurance, especially for those under 25, is the price of cover. The new driver, particularly the young new driver, is much more at risk of having an accident and consequently the premium has to reflect this. There are various tactics that will help to reduce costs when buying first time car insurance and the more of these that you can apply in your case, the lower the cost of the premium you can expect to pay. Clearly, a low car insurance group car is a good starting point. The old 1-20 rating system has been scrapped in favour of the Thatchem car insurance group 1-50 rating. You can check any car's rating online and should ideally aim to buy a car with a rating of under 10 if you are looking to save on first time car insurance. You then should keep the car as it is without 'upgrading' it to your own specifications as this invariably increases the cost of cover. Clearly, if you use price comparison systems to find first time car insurance, by checking lots of prices, you maximise your opportunities to cut the cost of cover. Many first time drivers will accept a high excess and a somewhat basic level of cover to keep down the price of their car insurance. That is not to say that you should automatically select the cheapest-priced cover on a price comparison system without knowing what you're getting. Do check over the cover to ensure it's adequate. Steps that will cut costs of first time car insurance include improving the vehicle's security. This might include on-board Thatchem-approved devices and off-road secure parking overnight. You can also make yourself a lower risk by passing an advanced driving test while adding an over-25 as a second driver is helpful too. If you expect a low annual mileage, capping that will also drive down costs. If you would like to use a first time car insurance specialist broker (instead of, or as well as, a car insurance comparison system), Endsleigh is a good choice (link below). What we do not advise is taking out third party only car insurance or using a practice known as 'fronting' whereby an older person - typically a parent - alleges that they are the primary driver and the new driver is insured as a named driver. The latter practice renders the policy void in an accident while the former leads to no cover for personal or passenger injury if hit by an uninsured drvier or where liability is with yourself. More News - More Reviews:
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