Young drivers looking for really cheap car insurance may feel, by now, that there is simply no way they can get cheap insurance, given any experience with conventional insurance companies over the matter.
The fact is, though, that there are two things you can do right now that will practically guarantee you really cheap car insurance.
1) Decide you are not going to settle for second best, but are going to shop around for the best deal.
2) Keep reading this article.
As to the first point above, there are insurance companies out there which can give you a way better deal than your mainstream or conventional insurance companies. You need to decide that you are going to rather spend the effort shopping around for them, rather than - like the rest of us - just settling for second best.
As to the second point, there are certain things you can do that will help you lower your insurance even with a conventional insurance company. So what follows is a list of things you should do that will practically guarantee really cheap car insurance for young drivers. All you have got to do is put in a little extra effort compared to everyone else.
1) Go for the smaller companies
There are many really cheap insurance companies in the UK, the fact is that they are just smaller than the mainstream companies, and therefore less well known. However, the Internet is a fantastic tool that helps bring these companies to you - through a simple search on a search engine, at price comparison websites, and the like.
Don't go for conventional insurance with the usual big guns, but rather give the smaller insurance companies a chance. Of course, do your research on them to make sure they are legit, but don't discredit them.
Smaller companies are more willing to provide you with a flexible scheme, and most of them already have certain plans and incentives in place for young drivers. These include getting a discount on your premiums if you don't claim within a short time period - unlike mainstream companies which only offer discounts after something like four years.
2) Know what makes up your premium calculation
Your premium is calculated by your age, gender, car, mileage, car safety, excess, your history and any extras you decide to have on the policy. Some of these you don't have control over, but most of them you do.
For instance, you can buy a more modest car and raise your excess to lower your premium. You can also keep your history clean for the future, or make it better by doing an advanced driving course. And, with car safety, you can install an immobiliser or an alarm, or even a krooklock or gear lock.
Mileage is the interesting one, though, as your insurance is calculated on the average mileage of 8,000 to 10,000 miles a year. This means that if you drive less than this a year you shouldn't pay as much for insurance. But insurance companies general won't tell you this or offer this unless you bring it up and negotiate.
So, if you follow these two thoughts - looking for smaller insurance companies, and keeping all the factors that go into calculating your insurance premium in mind, you will find for yourself really cheap car insurance as a young driver.
