Cheapest Cars to Insure for Young Drivers
The cheapest cars to insure for young drivers are the cars that help you drive safely and avoid accidents. Statistically speaking, the cheapest cars to insure have the fewest accidents no matter how old their drivers may be. Cars that are easy to handle and perform well on the road under any conditions are not only the cheapest but the safest cars for drivers under the age of 25.
When you've just passed your practical test and you've earned your licence, finding affordable car insurance can be a challenge. Even if you drive one of the cheapest cars to insure for young drivers, getting the cost of your premiums down may seem impossible. Before you give up on finding the cheapest premiums, compare quotes from a number of companies that specialise in insuring new drivers. Although you're legally required to insure your vehicle, you aren't required to accept outrageous premiums just because you're young.
Rates for Young Drivers
Drivers under the age of 25 are considered "inexperienced," and according to statistics, young drivers have a higher rate of accidents, whether or not they're driving the cheapest cars to insure for young drivers. Unfortunately, young people are also more likely to have lower incomes, which means that they truly need the cheapest vehicle insurance on the market. A young driver who can't afford to insure a vehicle may be more likely to drive uninsured, which could lead to tragic consequences.
Identifying the cheapest cars to insure for young drivers before purchasing a new vehicle may help you achieve lower premiums if you're under 25. You may also be able to overcome higher rates when you buy a new car if the dealer offers you a cheap insurance policy with the vehicle. With so many companies competing to insure your car, you can almost always find affordable cover if you compare rates from more than one provider.
The cheapest cars to insure for young drivers may not be the most desirable cars to drive when you're 17 or 18 years old. However, sometimes it pays to wait until you're older to drive the high performance automobile that you've had your eye on. Your friends will be impressed by the fact that you've passed your practical test, regardless of whether you're driving one of the cheapest cars to insure.
The Pass Plus Test
Taking the Pass Plus course is one of the most reliable ways for a young driver to achieve the cheapest premiums. The Pass Plus program, developed by the Driving Standards Agency, or DSA, is a course designed to help a new driver sharpen his or her driving skills and learn how to cope with hazardous situations on the road. The Pass Plus program includes training modules on urban and rural driving, driving on dual carriageways and motorways and driving at night or in the rain.
During the course, a new driver is continually assessed to monitor his or her progress. Passing the final test may allow you to earn a discount on your premiums, making your car cheaper to insure. Even if you don't happen to own one of the cheapest cars to insure for young drivers, you'll be pleased with the discount you can achieve by completing this safety course. Insurance companies vary in the discount they offer for completing the program, so it pays to ask about this credit when you apply.
After you've been driving one of the cheapest cars to insure for young drivers for a period of time, you can qualify for a no claims bonus, which will reduce your premiums even further. A driver who makes no claims within a policy period earns a discount on premiums during the next period. After several years, the discount may reach up to 65 to 70 percent of your payments.
Lowering Your Premiums
After you've purchased one of the cheapest cars to insure for young drivers and completed the Pass Plus program, you still have options available for achieving cheaper payments. If you're living at home and one of your parents has automobile insurance, you may be able to combine your cover in a multi-car policy to get lower premiums. If you have a bit of cash put aside, you can pay a voluntary excess for your automobile cover and make lower payments as a result.
If you're creative and persistent, you can find affordable coverage whether or not you drive one of the cheapest cars to insure for young drivers. Carry on with your search until you find a company with a history of insuring people under the age of 25. Make sure your provider is aware of any possible discount. Being inexperienced on the road doesn't mean that you can't be savvy about your options when you're shopping for car cover.