Cheap Car Insurance for Young Drivers.

By: Richard Jenkins

Car insurance for young drivers is never going to be cheap! The best you can do is try and buy the lowest car insurance premium possible. What follows is a guide which will help you achieve this. Firstly, the reason cheap car insurance for young drivers is an unlikely reality is simple- young and new drivers are a bigger risk to insure than the average car driver. These are the facts Newly qualified UK drivers are more likely to have an accident during their first year of year of driving than at any other time.

Per mile of driving, the risk of an accident involving injury or death is about seven times greater for 17-20 years old than for those aged 40 or over.

Young drivers under 21 are involved in 15% of all car accident deaths.

New drivers make up just 10% of licence holders, but are involved in 29% of accidents.

The following tips will help you reduce the cost of your young drives car insurance

Take the Pass Plus Driving Exam The pass plus examination is for new and young car drivers. It is an intensive training course that helps new drivers become a better drivers. Pass the pass plus and you will get a discount of up 35% on your car insurance. Taking the Pass Plus will cost around £100 but given the high cost of new drivers car insurance you should save more than this on your car insurance premium. Ask your driving instructor for details.

Pay a Higher Excess Insurers will insist on a minimum amount that you have to contribute to any car insurance claim. The standard amount is £100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium.

Pay Your Car Insurance Premium in One Go It is often cheaper to pay your years car insurance in one lump sum rather than in monthly installments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly installments.

Named Drivers Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your insurance premium. Likewise, avoid having younger named drivers on your policy.

Car Security Beef up your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer cheaper premiums.

Buy Your Car Insurance Policy Online Most car insurance companies offer a discount if you buy online via their web site.

Be Born Female Female car insurance is cheaper. Why? Because the average female is a safer driver than the average male. Result, cheaper car insurance for the ladies.

Shop Around According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.

Richard Jenkins is owner of the online driving schools site www.driving-test-success.com

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Cheap Car Insurance : Vitally Important For Car Owners

Cheap Car Insurance : Vitally Important For Car Owners

By: Allan Elvin

One of the desires of people since time immemorial has been to buy a car. A car is a massively utility vehicle as it not only cuts down on the trouble that people face while commuting but also add tremendously to their status symbol. It is for this precise reason that people have forever been drawn to cars and have held a desire to own these wonderful machines. These vehicles, it must be said, are also expensive. So spare a thought for a moment when one's car faces damage. In this era of rising prices any unplanned expense hit, at least, an average earning family very hard. It is here that car insurance comes into play and ensures that people are spared from the trauma of arranging money for the repair as it is the insurance company that does that for their clients. Another important thing about car insurance is the fact that it can be availed at such a cost-effective rate that it would not be wrong to term it as cheap car insurance.

This service was always very helpful but in today's age when accidents have become a regular feature with, it probably was never as relevant as it is today. Availing it is also very simple. All that people need to do is to avail the service and get rid of the hassles.

However, to gain from cheap car insurance one would do well to understand that certain precautions have to be taken. First of all one must ensure that the policy comes to life as soon as it is signed, it should also be ensured that car is priced fairly. One should also ensure that there is no default on monthly premiums as well as the fact that no wrong information is provided to the insurance company.

These efforts would ensure that cheap car insurance would actually go a long way in helping people when they grapple with the problem of arranging money for car repair.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

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Cheap Car Insurance: Safety At Its Cheapest

Cheap Car Insurance: Safety At Its Cheapest

By: Allan Elvin

One of the inventions that has brought about a revolution in the lives of humans are cars. A wonderful machine, they have been on top of the wish list of people from time immemorial. Today, it must be said, people can buy cars relatively easily then was the case a few years earlier. Thanks to the mushrooming of several financial institutions and the enhanced salary that has made this possible. However, modern times has also seen the pace of life gaining great momentum. This has also lead to problems because in their eagerness to reach a destination early people often overlook traffic signals and collide their vehicles with others. This sort of unplanned expenditure can hit people, particularly those with average income very hard. It is to help all such people that car insurance was introduced. In fact, the rate at which such a service can be availed is so low that it would not be wrong to term car insurance as cheap car insurance.

It relieves people from a big worry and they can breathe easy as in cases when one's car faces some damage it is the insurance company that bears all the expense with the concerned person not requiring to pay a single penny. Needless, therefore, to say that what a relief it brings to people. Especially those who belong to the lower strata of society.

However, to gain from cheap car insurance it would be important for people to take care of a few things. First of all one must ensure that the policy comes to life as soon as it is signed. Then it is also important to make sure that the car is priced fairly. Not to forget the fact that no wrong information should, at any cost be provided to the insurance company as well as the fact that there is no default on monthly premiums.

These efforts would ensure that cheap car insurance actually goes a long way in bailing people out from a situation that can throw their monthly budget out of gear.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

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Compare Auto Insurance Prices

Compare Auto Insurance Prices

By: Tony Scott

When doing auto insurance comparisons it is important to compare your vehicle cover on a like for like basis. Insurers often have policy benefits that are specific to their company in order to make their offer unique. This gives the insurers' sales representatives an edge that can be used to obtain, and retain automotive cover business.

For example: when two policies are the same cost and insurance levels, an agent may say, "we may have the same price but look, we have first dollar coverage on glass repair or we waive deductibles when both parties are our policy holders". These little added coverage's usually don't cost the companies a lot of extra money and can be put in a policy without raising the cost over all.Steps:
1. Compare the rates given to you with like levels of liability coverage and same level of deductibles. 2. Check to make sure that any limits of overall benefits on the policies are the same.
3. Check not only the final total premium price but also check the individual prices of each section of the policy.
4. Make the agent prints out the quote so that you can see what the different component costs are of each section. The process of checking different companies can be different for each individual. If you are a "people person" and like to interact with the sales agents, then go to several different offices. Go to what are called captive agents, such as an All State agent, State Farm agent, or any agents of the other larger companies. Brokers v Direct Online Comparisons and Quotes:

If you don't care to drive around to different offices find a broker in your town; looking in the Yellow Pages on the Internet or the Yellow Page Book can easily do this. Looking for a name in the title can usually identify an insurance broker. Example: you may see Sam Jones agency or Jimmy Jackson Agency. If by chance you see one of the top insurance companies logo in their ad then they are not a broker but a captive agent. Once you have found the broker have them give you quotes in the manner mentioned above from several different companies. A broker sometimes can customize a policy to fit an individual. The problem here is comparing pricing to get the best deal becomes harder. Ask the broker to just get standard quotes first from different companies and find one that seems to be fair and equitable. Then if there are features that you want to have added to your policy most likely they will be added at a fair price. A technique that has yield effective results in finding an agent or a broker is to simply ask your friends and relatives whom they have their automobile insurance with. Asking at work has benefited well too. When you ask people about who they have their insurance with they will be more than willing to share with you. They will tell you why they have stayed with an agent or a company for a long time. They will also tell you why they left their last company or agent and the reasons why the company or agent that they are with now is so great. In short, personal reviews should be listened to. Once you have purchased a policy it is a good idea to do comparisons periodically just to verify that you are still getting the best deal. Rates tend to change not just on your driving records but also on the financial position of the insurance company. Your first step should be to talk with the agent that wrote and issued your policy. Some companies use a tiered system to rate their customers. You may be eligible for a rate decrease due to being able to climb into a higher tier. This may also enable you to have better coverage at a lower price. Checking with other companies, even the same companies that you originally checked with will sometimes save you monies now that didn't then. This is due to rate increase or decreases that the companies had to take or give back due to their financial performance in any given quarter or year. Due to this, Autos Insurance rates tend to change and it is a good idea to watch the rates, especially if nothing has changed in your rating status.

For Auto Insurance information and to Compare Auto Insurance Prices Visit www.compareautoinsurance-rates.com

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Insure Your Car Before It's Too Late!

Insure Your Car Before It's Too Late!

By: Thomas Calkins

You adore your car and it is your prized possession. However, imagine if it got stolen, caught fire or got damaged? You would lose thousands of dollars in repairing it. This is why getting an insurance is so important. Every car community expert will advise you to insure your car as soon as you buy it.

Cheap insurance deals

Nowadays you can easily get lucrative insurance deals online. However, while these may seem to be attractive with bargain deals they may not always be the best. The reason is that usually the cheaper the insurance the more experienced the driver it is targeted towards. Usually some of the cheapest insurance for cars is targeted at drivers with over 4 years experience. Most car community sites will advise you against going for such schemes if you are a relatively new driver. On the other hand if you are experienced in driving then getting the cheapest car insurance may well be the best way to keep maintenance costs to a bare minimum. It’s because as most car community sites will tell you, it is the maintenance of cars that can work out to be the most expensive.

Claim free drives

If you have a history of no claims then you can actually manage to get one of the cheapest car insurances possible. It is because such insurances provide you a discount on the no claims. This can save you a lot of money as it works out to be very affordable. Many car community experts will advise you to go for such an insurance type if you fall within the experienced bracket.

Lucrative deals: don’t get swayed

Nowadays you will find plenty of online dealers offering you attractive discounts and bargain deals. However it is important that you do not get carried away by these schemes. Many of these do not provide adequate protection in the policy, which can be detrimental if you do face any damages on your car. Therefore you need to check the fine print on the document before you sign up for any insurance deal. Every car community site will tell you to do your research and shop around for rates before taking the plunge for an insurance deal.

A stitch in time saves nine

As this popular adage goes, it is applicable to your car too! It is much better to get insurance beforehand rather than waiting for an accident to happen. That way if incase something happens to the car you have adequate financial coverage to make up for the repair costs. Nowadays many car community experts provide you with useful ways to get yourself the best insurance deal. You can go through the handy guides and tips they provide online.

Approval times

Another important aspect you need to check on before going for an insurance scheme is the amount of time it takes to get the insurance application approved. Many so-called legitimate companies will offer you attractive deals and then take several months to just approve your application! Reputed companies will never do this. Therefore you need to check on car community sites for the list of reputed insurance agencies.

Thomas is a car community expert with autosondisplay.com that is an online car site includes auto pics, auto community and more.

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