asian hookup site totally free real hookup sites where to find hookups online best hookup sites for gay men are there real hookup sites

Low cost car insurance for younger drivers: prime suggestions – AutoExpress

As a younger driver, car insurance is certainly the biggest hassle after you buy your car, and there are no two options: Insurance coverage for those under 25 is expensive.

It can be the biggest hurdle that stands between you and your driving pleasure because, to put it simply, the cars you want to drive are often banned because they are too expensive to insure. So, you end up buying a cheap runabout just because it's the only car you can afford coverage for.

All we can say is think again and certainly don't give up that easily. There are deals on insurance as long as you are willing to look around and accept some compromise. There are even some fun cars that don't cost the world to insure.

There are several ways younger drivers can lower their premiums, but the most effective is to dive into the comparison sites and find a deal that works best for you – not least because some companies accept younger drivers more than others.

There is no substitute for spending hours on the laptop, as there is no getting around the fact that under 25 (and by the way over 70) will be charged more for the insurance of their car. That's because statistically they tend to claim just like that.

Tips to Lower Your Car Insurance Quotes

There are other ways to lower your premiums, some of which are more obvious than others. Neither will be effective, however, unless you are willing to put some reasonable tough meters into it, both on the laptop and once you're behind the wheel.

First, if you name an older driver, for example a parent, in your policy, many insurance companies will charge you less for your insurance coverage. Remember, this doesn't work the other way around: whoever uses the car the most should be the named driver in the policy. Insuring a car on behalf of a parent and then adding the young motorist as a named driver, knowing that they will drive the car most often, is called fronting. This could result in an invalid insurance policy and also take you to court.

Second, save and opt for an annual policy instead of monthly direct debit. It won't cut your costs by a multiple, but any savings will come in handy. Just follow these two steps alone and you could save hundreds in total.

Third, drive better and be rewarded for it. This is best done with a black box policy, where the insurance company will attach a GPS device to your car that will monitor your driving habits and reduce the policy accordingly. It sounds a bit big brother, yes, but if it cuts your premium, either immediately or when you renew it, it could be the discount that brings protection for a more desirable car within reach – and it doesn't have to be forever, either, as some Years of proven good driving with a black box can lower the standard premiums.

Be aware, however, that not all black box policies are created equal and that there may be some nasty hidden costs. Some companies charge more to install a black box than others, while others also charge you to remove the device if you change the policy. And while total curfews are rare, black box policies often add higher costs if you drive frequently at night, while all companies will penalize what they consider bad driving – think speeding, sudden braking, and hard cornering. So remember: a black box policy can be a great way to save money if you drive well and follow the rules. But they could add to your insurance costs now and in the future if you constantly disregard them.

Fourth, you can also lower your premiums by increasing the deductible you are willing to pay, although that decision could haunt you in the event of an accident. Remember, few clashes with vehicles or whatever they come into contact with are cheap.

Five similar benefits (and warnings) apply when you opt for liability insurance or fire and theft insurance. These policies used to be cheaper than fully comprehensive insurance, but companies today often consider drivers who opt for something other than fully comprehensive insurance to be riskier. In addition, damage that you cause to your own car is not insured.

Some comprehensive policies even cover driving rental cars or cars owned by others, although this is rarely included in the fine print of a policy for young drivers. Check the details of a fully comprehensive insurance policy because not all policies cover the same thing and the fine print can vary widely from company to company.

Sixth, you also save money by buying the right car first (see panel) and then browsing to find the best deal for your particular circumstances. The truth is, while one company charges a 20 year old apprentice a real estate agent with a clean driving report of £ 1,450 a year to fully insure a 2015 Renault Clio parked in the garage in Oxford overnight, another becomes another Companies ask for more (or less). apparently for no apparent reason.

Unless there is usually a reason, and in this case the words “trainee” and “real estate agent” could be messing up the algorithms. These computer generated formulas analyze the risk a customer poses and the likelihood that the insurer will have to pay off. As unfair as it may seem, drivers of certain professions are more likely to make claims in the eyes of insurers. People in commercial professions are generally considered to have the lowest risk, while professional athletes are far higher. You may not want to use your actual job title when applying for car insurance, but whatever job you state should adequately reflect your job. Stretch out the truth and you might find your policy is invalid. A lie, and that is plain and simple fraud.

After all, you shouldn't go back to the same insurance company year after year. While the Financial Conduct Authority is addressing these issues, customer loyalty is not universally rewarded by the insurance industry. This means that if you stay with the same company, you will often be billed more money when it comes to renewal, not less. So check back if you renew, because right now the most tempting deals are available for new customers, not existing ones.

Insurance offers for young drivers supported by the manufacturer

Automakers need sales, and getting a new driver behind the wheel is one way to do it. But the high cost of insurance, let alone the cost of buying a brand new car, will deter most new drivers from going to their local dealer unless they have mom and dad's bank to cover the cost.

If that's the case, there are many tempting financing options out there that offer cheap ways to get started with a new car, and sometimes the manufacturer will help insure young drivers as well.

Do I have to prepay my car insurance?

Paying a lump sum upfront for a full year of auto insurance can be daunting, and for young drivers it will often be more than the value of their car, but it is often cheaper than paying by monthly direct debit.

Many insurers offer monthly repayment plans or split the cost into two semi-annual payments, but the reality is you will pay more in the long run. Some insurers add up to 10 percent to the specified premium when paying monthly, while others charge interest for a monthly direct debit. If you can find the cash in advance, it is the most cost-effective method of payment.

Auto insurance jargon explained

It is inevitable that there will be a lot of jargon associated with the auto insurance market, but our handy guide will explain some of the most important terms …


This is the amount you will have to pay if you make a claim before the insurance pays out. If you have a claim of £ 1,000 and your deductible is £ 400, you pay the first £ 400 and the insurer will cover the rest. The insurer sets the mandatory deductible, while you decide on the voluntary deductible. If you set a higher deductible, you reduce your annual premium.


These policies offer the most comprehensive coverage on the market. With car comprehensive insurance, you can cover accidents for which you are to blame or for which the fault cannot be proven, e.g. For example, in a parking lot, check with your insurer.

Third party

It's the minimum protection you can buy. It protects you against damage to another vehicle or structure, injuries to third parties or your own passengers, as well as costs for medical treatment and legal prosecution costs against you. Third party coverage, fire, and theft provides extra protection from someone trying to steal your car or set it on fire.

Insurance friendly cars

Kia Picanto

Kia Picanto

New from: € 11,450

Well equipped and good looking, the Kia Picanto is an easy car to recommend. Choose any model with a 1.0 liter turbocharged petrol engine and insurance costs are low, although only 2 items of automatic transmission fall into the lowest group one insurance rating.

Volkswagen Polo

Volkswagen Polo - front

New from: € 17,885

It's hard to stop by the Polo when you're looking for a well-built, classy first car with a bit of branding. Notably, match, beats, and limited-edition United trimms fall into group one with the 1.0 Evo three-cylinder engine, though choosing a TSI engine will result in a jump in rewards with a jump in group eight.

Volkswagen open!

Volkswagen open! - front wheel drive

New from: € 13,660

The little up! is an excellent first vehicle thanks to its compact dimensions and good all-round visibility. Some models fall into insurance group two, although you can save cash by buying used cars or opting for one of the sister cars SEAT Mii or Skoda Citigo, both of which are plentiful in the used market.

Renault Clio Expression

Used by: € 2,500

Buying a used car instead of a new one is getting a lot more bang for your buck, and insurance costs are sometimes lower for used cars than for brand new ones. So even though a Clio Expression is in Group 3, it may be cheaper for you to have it insured than a new car in Group 2 – if you are willing to shop around and find the right deal.

Tell us about your experience, or trying to get car insurance as a young driver, in the comments below …

First cars on Auto Express …

First cars graphic FINAL

Everything you need to know about driving, getting your driver's license and choosing your first car …

Learn to drive

Passed driving test

Get your first car

For all the latest car news, features, tips and advice, follow Auto Express on Twitter and like us on Facebook …

Comments are closed.