A large portion of the young population can drive. They’ve taken their test, they can legally drive and they’re fully qualified.
However, a lot of people choose not to drive. It’s not because they don’t want to. It’s because they can’t afford to. Driving is a very expensive part of our lives, and it’s hardest on young drivers.
Before you go ahead towards your car insurance make sure it’s not already insured. Age, inexperience and a commonplace recklessness have led to car insurance being much more pricey for first-time motorists. Cutting these costs can often be a very difficult thing to do, but it is possible. So, how would you go about cutting these costs?
Add A Second Driver
One of the easiest things that you can do to cut costs as a younger driver is to add a second driver to your insurance. This is usually an experienced older figure, often a parent. Their knowledge, experience and age will help to bring down the cost of your premium. Look at it this way. Car insurance is primarily based on risk. As a young and fresh driver, you’re more of a risk.
However, someone who’s not had any crashes or claims for many years is a low-risk driver. Their presence on your vehicle as an occasional driver will help to reduce the overall risk. QuoteRadar.co.uk is already offering free car insurance comparison for young drivers to reduce prices when a driver is looking for the insurance policy. It’s worth noting that you often have to put different people into the system in order to see who will reduce the cost the most before you decide to lock anyone in. Don’t do this without their permission either.
Don’t Pimp The Ride
If you’re trying to cut costs and bring down the insurance, don’t then go and heavily modify your vehicle. Spoilers go faster stripes and detailed bodywork is all well and good, but they don’t actually bring down your cost at all. In fact, you’ll be charged more for a more pimped out car than a cheaper one, so it’s worth being sensible with your creativity.
Honesty, Honesty & Honesty
To keep costs low, NEVER tell a lie to an insurer. If you lie about something important, it’ll most definitely come back to haunt you. Lying on an insurance form is fraud. You should always be honest about what you’re going to use the vehicle for if you’ve got any special circumstances, and the circumstances of any accidents you had in the past.
Overall, these are just a few of the different ways that you can cut costs as a young driver. It’s important, to be honest as much as possible. You don’t want to be caught lying on your insurance. It’s also definitely worth adding an experienced driver to the policy if you can because this will help to bring down the cost of the insurance. It’s not going to be easy at the beginning as a new driver, but caution and perseverance will ultimately come to fruition, as the insurance will get cheaper with time.
