10:29 20 November 2012
The ‘L’ plates are off and you’ve been given a car for your 21st birthday, how do you get ready for the road in a way that it won’t cost the earth when it comes to buying car insurance?
Benefits of car insurance
Aside from it being a legal necessity to have insurance for a vehicle, the number of accidents on the roads these days makes it worthwhile having car insurance. It’s always good to have a reliable insurance plan, but even better if you can get it cheaper!
But this can be hard for drivers, especially young drivers, and if you are newly qualified on the roads.
And it doesn’t help that many young drivers become involved in car accidents, whether because they’ve been driving too fast, are a victim of another person’s poor driving, or are inexperienced behind the wheel which can add to the problem.
Insurance policy prices increase following accidents, but for the young, the rates can already be high in relation to this topic.
Ways to get cheap car insurance
• New and young drivers should inform themselves of the different car insurances on offer
Some people shy away from insurance details but it can be easily picked up. It just takes time and effort to learn about the different coverage available. Work out what car insurance policy is best for you - it will help in the long run if you were to have an accident, and it can probably save you money.
• Maintain a good credit rating
This can be a good way to improve your car insurance quotes, as having good credit ratings can reduce insurance premium rates. This relates to spending sensibly, making payments on time, and generally being responsible with money as insurance companies are more likely to prefer this.
• Improve your driving experience
You can do this by taking extended driving qualifications once you’ve passed your test. This will show car insurance companies that you are wiser on the roads, in particular than someone who has taken their test and not enrolled in any advanced driving courses. This reflects that you want to be a better, safer driver and could help reduce your car insurance prices.
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