Cheap Car Insurance for 18 Year Olds
It can be disheartening after finally passing your drivers examination to find out that
your options are going to be very limited and that cheap car insurance for 18 year olds, particularly males, is extremely hard to find. Luckily the power of the internet has made finding the best premiums through comparative shopping extremely easy. Here are a few tips which should help you to minimize the cost of your car insurance and enjoy the freedom of driving your own vehicle:
Choose your vehicle wisely: a general rule of thumb to follow in order to get cheap car insurance for 18 year olds is that the smaller the car the cheaper the insurance. If you want to keep your car insurance affordable this means holding off on that brand new sports car for a few years. This doesn’t mean that you need to buy a total clunker, there are many fashionable vehicles that you can insure cheaply however you want to keep the size of the engine as well as the total weight (larger cars cause more damage in accidents than smaller ones) as low as possible.
Car insurance companies are not big fans of young drivers, especially those who want to insure high powered cars.
Another way that you can minimize the cost of your premium is to enrol yourself in an accredited advanced driving course such as Pass Plus can save you as much as ten to twenty percent on your driving insurance with some companies. Also make sure to check with your local council as some of them offer partial or even full subsidization of the cost of the course to local youth.
If you do get into a minor accident then you probably don’t want to claim it on your insurance unless you have to. A key to getting cheap car insurance for 18 year olds is keeping a clean slate. After a few years without an accident your premiums will usually drop significantly so it is important not to make claim unless you are in a serious accident.
Remember that an easy way to get cheap insurance for 18 year olds with only a small expenditure on your part is to buy a simple security device like a club or electronic tracker to ensure that thieves do not target your vehicle. Check with your insurance company as many of them will give you a discount that in time will eventually more than make up for the price of the extra security.
These are only a few of the simple things that you can do in order to reduce your premiums as a new driver so shop around for the best deals available to you.