As a young driver, you will have to face many challenges during your time on the road. What they teach you in your driving lessons are just the basic skills needed to be a competent driver. You only learn more about driving and dealing with different scenarios as time progresses.
One thing that affects all young drivers, regardless of driving experience, is the cost of car insurance. It’s a well-known fact that car insurance for young drivers can cost a small fortune! But don’t let that put you down because it is possible to get cheaper car insurance! Here are some expert tips to help you out.
Buy an insurance-friendly car
If you are under 25, buying an exotic, import or otherwise rare car isn’t the best idea in the world from an insurance point of view. The risk of theft, vandalism and accidental damage is greater with such cars. That’s why insurers will increase the price of premiums regardless of age.
Of course, you can avoid the problem of high insurance premiums by getting a more down-to-Earth car. Examples include small city cars, and those where parts are easily available. When you’re next at your local Motorline Direct, be sure to ask about such cars for sale.
Take an advanced driver’s course
As a young driver, statistics show that you are more likely to make a claim on your insurance policy than older drivers. That’s because you won’t have enough driving experience. And that is something you might remember I mentioned at the beginning of this blog post.
One way to prove to insurance companies that you are a safe and responsible driver is to take an advanced driver’s course.
The great thing about these courses is that they teach you how to handle your car in various scenarios. They are often scenarios that you won’t have had experience with during your normal driving lessons.
Limit your mileage
It’s no secret that the more driving you do, the higher your chances of making a claim on your insurance policy. You can avoid the high premiums associated with this fact by driving fewer miles each year!
One of the questions that all insurance companies will ask is how many miles a year you drive. The average annual mileage is somewhere between 10,000 to 12,000 miles. If you only drive to local destinations, it’s likely your mileage might be around 5,000 miles per year.
If you do a lot of driving, it might be wise to consider alternative methods of transport for some of your journeys. As an aside, the fewer miles you do in your car, the higher its value will be. That’s good news for when you want to trade up for a newer car in the future!
Consider moving to a nicer area
Even after taking the above points into consideration, sometimes it can be the area you live in that causes high insurance premiums. If you live somewhere dodgy, consider moving to an area where vehicle crime isn’t so prevalent.
Thanks for reading. Until next time…!
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