Your Youth, Your Freedom

When we’re young, we try and find our own personal freedom. And the ultimate freedom for any teenager out there is a license and a car. Passing your driving test is a proud moment, a sense of achievement, however after all your hard work and all the money that you would have spent on getting your license and a car, you are then faced with the daunting task of obtaining car insurance, and it doesn’t come cheap for young drivers.

Car insurance companies ask for excessive prices for young drivers, and considering that it’s a legal requirement, it doesn’t seem fair. However insurance companies have good reasons for their charges, statistically, young and inexperienced drivers are the most likely to claim on their insurance.

Even though young drivers may feel lost when it comes to buying car insurance, there are ways of getting a good deal. These include:

• Taking advanced driving programs, such as pass plus.
• Adding a more experience and older named driver to the policy.
• Multi product discount: Take out a policy with a company that your parents have home insurance with.
• Have a cheap first car with a small engine size and a low insurance group.

It’s not worth being a named driver on someone else’s policy however. Even though it can be the cheapest option, with the majority of companies, you’re not earning that all important no claims bonus. And in some cases if you’re the only one who drives the car, and are down as a named driver, then your insurance is void, as you have falsely stated that you would be using it now and again.

By: Michael Wade

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Young driver car insurance can be costly, however compare car insurance online to find the best deal. Reduce your car insurance quotes as best you can with driving programs such as pass plus and by having a small, cheap first car.