Car Insurance For New Drivers

A leading insurance company may have come up with a scheme that rewards rather than punishes newly qualified teenage drivers.

Insurance giant Swinton have begun offering special six-month polices aimed at those who have just passed their test. The selling point comes in the form of a 30% discount should you make it through those first six months without claiming, rising to 45% after 18 months. This news is sure to excite young drivers who have had to contend with astronomical car insurance premiums for many years.

According to a spokesman for the AA, one of the UK’s biggest brokers, around half of all insurers are refusing to even quote for 17-year-olds. Young men, he says, have been particularly penalised and are typically paying twice as much as newly-qualified female motorists. The statistics however back up these fears as under 21s have been proven to be 10 times more likely to be killed or involved in a car accident compared to their 35+ counterparts.

Andy Roden at Swinton says the company acts as a broker for 15 underwriters, but warns young drivers hoping to sign up that they need to make sure they are driving smaller, lower-powered cars that fall into insurance groups 1-4 to get reasonable prices.

As it stands users have to pay the whole six-month premium in one lump sum payment. This however is set to change once the policy beds in when installment payments will be introduced.

Some of Swinton’s competitors however have derided the news as nothing more than an attempt to snare young drivers. A spokeswoman for Confused.com says: “Customers need to look beyond the marketing hype and question whether the first six months trial policy will be counted towards their NCD should they decide to switch insurers come renewal time.

“Building up your NCD is the quickest way for young, newly-qualified motorists to take advantage of cheaper premiums from all insurers, so we’d certainly advise caution when opting for a policy that will potentially take 18 months to earn one year NCD.”

If the sounds of this new policy isn’t the music to your ears it was intended to be there are other ways to possible reduce the amount you pay for car insurance.

Opt for a small car with a small engine.
Try adding a parent to the policy. Assuming they have a clean record, this will often bring the price down.
Consider a “Pass Plus” training scheme. By paying around 180 for six extra lessons, you could save 700 on the first insurance premium alone. Check before you sign up what discount will be given by your insurer.
Don’t pay in installments if you can avoid it. Kwik-Fit is a good bet for new drivers, but charges 39.9% APR if you spread the payments over the year.

Darren is the author of several articles pertaining to cheap car insurance

Ladies Cheap Car Insurance

Did you know that the reason that women’s car insurance is lower is because that over 92% of driving offences are done by men. Also, 98% of convictions for dangerous driving are done by men.

It’s been proven that women drive slower and are more courteous towards pedestrians and other road users. However it is true that women have almost the same amount of accidents as men do, but, they are usually much less serious and less expensive.

We are all aware of the new businesses popping up and the women only car insurance policy offers that are currently available to the British public, but what other ways are there to lower that insurance quote even further? Check out these tips to see the cost go down again!

If you go for a small run around for your first car you will save money simply because it will have a smaller engine. Similarly, if you have just passed your test, take out your own insurance as soon as you can rather than using your parents’ - you can build up you no claims bonus nice and quickly for when you want to buy a bigger car.

Try to avoid modifications! That spoiler and noisy exhaust will usually do absolutely nothing to your car other than cost you more money on your insurance, as unfortunately most drivers with said modifications have more car accidents. Why not put money aside for a deposit on a nice new car instead?

Something you should definitely add to your car however is extra security. Anything from new locking to a simple steering bar will make your car much more secure and therefore bring down your insurance costs.

If you are not going to be using your car very much and travelling small distances you could choose to go for a “pay as you go” style insurance. You will have a small monitor put in your car that will record how much you travel and charge you only while you drive.

If you are looking for a cheaper car insurance quote check online find to the best motor insurance for you.. Check with your motor insurance provider to see if these re-classification regulations have an effect on your situation or not.

Motorists Waste £1.9 Billion Per Year on Car Insurance

The importance of shopping around for the right car insurance policy has rarely been more prevalent after new statistics showed the UK’s 34 million car drivers collectively throw away 1.9billion a year on annual car insurance premiums.

With March prompting activity in the UK car market due to the introduction of new registration plates, car insurer Swiftcover has issued research that suggests a 25-year-old female driver buying a new Peugeot 207 in Bolton at the turn of the month could save more than 330 with one leading insurer compared to another leading name.

Such significant savings should prompt drivers to think before they buy, particularly during a turbulent period in the financial market when household bills are rising on the back of the credit crunch.

The key to securing a cheap car insurance deal is to not automatically accept a renewal quote from your existing provider. Even if the insurer was the cheapest when your contract began it’s highly unlikely it will offer the best deal 12 months later.

Switching to a new car insurance policy needn’t be difficult. Thanks to the growth of price comparison websites you can compare dozens of car insurance quotes in minutes to find the cheapest deal.

However, it’s not just a case of finding the cheapest car insurance quote - drivers should take additional measures to reduce their premiums.

This starts with the car you buy - cars with smaller engines tend to rank in lower insurance groups and can help save money. Cars with lower values cost less for the insurance company to replace in the event of an accident meaning reduced costs.

For cheap car insurance look for deals online. Most car insurance providers offer their best deals on the internet as they save on expensive overheads such as call centres.

Young Driver Car Insurance - Truth Is To Be Disclosed

As adults we understand the need for a car and of course we have to pay insurance for that car. However when our kids get insurance they often end up paying much more than they have to, because car insurance companies assume that as young they are going to be getting into a lot of trouble and causing a lot of accidents.

When it comes to getting Young Driver Car Insurance, you really want to be able to save as much money as possible. Although many people unfortunately do not realize it, there are quite a few different things that you can do in order to reduce the cost of Young Driver Car Insurance, of which will be discussed here.

One of the best ways to reduce the costs of Young Driver Car Insurance is to make sure that you pay your premium in full rather than in monthly installments, and this is because insurers will generally offer a discount on a lump sum, whereas they tend to add a surcharge fee for installments.

Higher Cost For Young Driver Car Insurance:

Why the premiums are for Young Driver Car Insurance so expensive? It is because youngsters who have just received their driver’s license do not have any real driving experience and are therefore more apt to get into a car accident. Add to this the fact that many youngsters drive while distracted, whether talking to friends in the car with them, talking on their cell phone, or showing off by driving at unsafe speeds, and you have the perfect reason for insurance companies to require a higher monthly premium for student car insurance policies. A high percentage of accidents in the United States are caused by people under the age of 25 and Young Driver Car Insurance rates will typically remain high until the driver reaches this age.

In some cases, the insurance company will offer a discounted premium rate on Young Driver Car Insurance policies to students who maintain good grades. The companies believe that keeping up with your schoolwork demonstrates a sense of responsibility and they believe that shows that you will be a responsible driver. But if you get into one accident or get one speeding ticket, the discounted rate will be revoked and you will have to pay the full premium price for your Young Driver Car Insurance until you reach the age of 25.

Reason for Young Driver Car Insurance:

Young Driver Car Insurance policies are no different than traditional car insurance policies in terms of coverage and deductibles. The only difference is the high price of the premium. If you can maintain a good driving record and keep your grades up until graduation, then the rate for your student car insurance may decrease over time. And that frees up your money for more important things, like books for college.

If you keep all of these pointers in mind, then when it comes time to get car insurance for your own youngsters, you will be able to save yourself a great deal of money, something that every parent can truly appreciate

You can also find more info on teen driver and california car insurance Autocarinsurancehelp.org is a comprehensive resource to get help about car insurance.