Tips For Young Drivers On Getting Car Insurance

Once you have passed your driving test it is only natural that you will want to get out on the road as quickly as possible to put your new skills to good use. This is always encouraged, as continued driving means good practice, but you may run into some roadblocks when it comes to finding a good insurance policy.

Many younger drivers have to deal with higher insurance premiums for a number of reasons, so you need to do what you can to keep those numbers down. The following are some useful tips that should help you do just that.

Always Compare Policies

There are many sites on the web, such as Compare The Market, that will allow you to receive quotes from multiple companies that you can weigh against each other. This is useful, as it also allows you some flexibility in terms of what your policy includes, plus it broadens your search to include companies you may not have been aware of. By sticking with one insurance company you expose yourself to potentially having to pay higher premiums for a policy that you could have gotten for less money from a comparable company.

Don’t Be Afraid To Haggle

The car insurance market is more competitive than companies would like you to believe, which means you have some leeway to negotiate if you feel the price you have been quoted is unfair. It is important not to try to get too low a premium when haggling, as companies will just refuse to insure you altogether if it is not worth their while. However, you may be able to save a little money if you are aware of what other companies can offer and can use that information to your advantage.

Get Placed On Someone Else’s Policy

Many insurance companies offer you the chance to pay lower premiums as part of a joint policy with somebody else for the same vehicle. Typically this will be a family member who has a good record. This involves taking shared responsibility for the vehicle and you must be aware that any issues you have may reflect poorly on the policy holder. Still, if you have a family member who trusts you and you ensure you drive carefully at all times, this can be a very desirable option. As usual, speak to multiple companies to find out what their policies are on this option.

Drive Well

Even having done all that, you may still find your premiums are higher than you would like. The best way to lower them is to prove to your insurance company that you are a reliable driver. Avoid putting yourself in situations where accidents are more likely to happen, such as speeding, and always keep to the letter of the law. After your first year of driving with no claims or issues you will find that your insurance premiums start dropping. Put the above advice to good use again to renegotiate your insurance policy and don’t be afraid to switch providers if you can get a better deal.