There’s no denying that car insurance can be costly and if you’re a teenager you’re liable to pay even more.
Why? Because young drivers are statistically more likely to get into an accident or cause damage that will lead to them making a claim.
Although it would be great if you could prove your status as a careful and responsible driver despite your age, this is simply impossible – which means insurance companies have to charge based statistics.
However, there are lots of ways you can make your business a more attractive prospect in the eyes of insurers and find cheap car insurance for teenagers.
Your car is important
The type of car you drive has a big bearing on what you pay for insurance, especially if you’re a young driver.
Cars are placed into different insurance categories based on a number of factors, including how powerful the engine is and how expensive it is to replace parts and repair.
If you choose a car that falls into a higher bracket you can expect to pay more, so opt for moderately priced vehicles with smaller engines rather than big, powerful beasts.
Thousands of young people enjoy making modifications to their cars, but changes that make a vehicle faster or more powerful spell danger for insurance companies and they’ll charge a lot more for souped up cars.
If you can’t bear the thought of life without alloys and a double exhaust then make sure you inform your insurer about any changes you make or you could make your policy invalid.
However, there are certain things you can add to your car that will bring your premiums down, such as an immobiliser or alarm system.
The more security measures you put in place that make your car harder to steal the better, so try to park off road or in a garage too.
Although car insurance for teenagers will always be more costly than it is for older drivers, you can shop around and find some great deals.
Use price comparison websites to get an idea of the different insurers out there and what they can offer you.
You may also find insurers offering perks and deals such as student discounts or money off when you take out more than one policy with the same insurer.
Think about the type of insurance you choose too. Basic cover will always be cheaper but it might not include everything you need so make sure the policy you pick covers all the bases.
Become an advanced driver
Part of the reason that teenage drivers are penalised is because they have only recently passed their test so don’t have the skill of more experienced drivers.
If you want to place yourself in the best position then demonstrate your skills to the insurer by passing an advanced driving skills test.
Believe it or not doing this can shave a significant amount from your insurance premiums so it’s well worth the initial expense.