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Young driver insurance can be expensive, so it’s important to look around to find how you can reduce your level of risk and attain cheaper insurance. There are several things you can do which will enable to pay less for your insurance:
Pass Plus Course
Pass Plus course is designed to help new drivers gain more experience, develop their driving skills and learn new techniques which will improve their anticipation and awareness. It includes all weather driving, out of town and rural roads, town driving, motorway driving and night driving. Many local authorities help with the costs of Pass Plus training so it’s a good idea to check this out in your particular area. Many driving schools have an approved driving instructor who is registered to give the Pass Plus training. It will certainly be easier to get young driver insurance at a better rate if you take this course.
Avoid Upgrading Your Car
Many young drivers spend money upgrading their car’s performance and appearance. However, any form of upgrading will definitely increase premiums. Try to avoid using your car for long or unnecessary journeys. Low mileage will get you a better rating.
If you car is old install a Thatcham approved alarm. By doing this you can save some money, but do ensure it’s professionally installed. Parking your car in a garage, or at least off the road when not in use, can save you as much as 5% on the premium. If you have to park on the road try to find a well lit area.
Avoid leaving valuables in the car when parked. Coats, bags, parcels all give a thief a reason to smash the window and grab whatever they can lay their hands on. Be vigilant and you won’t have to make a claim.
Get an insurance quote on the model of car you’re considering purchasing so you know exactly what the premiums will be. When you’ve seen a car you like, look at it in daylight so you can see any minor faults. Get an experienced mechanic to look it over for you to make sure it’s safe and has no unseen problems.
Get quotes for Third Party only, Third Party Fire & Theft, and Comprehensive cover. These are all priced in a different way so it’s worth looking at them all. It is possible to get reasonable rates for young driver insurance. Consider each of the above tips and let them work to your advantage.