Passing your driving test is a right of passage that we should all be able to enjoy but the cost of car insurance for 17 year olds can take all the pleasure out of owning your own car.
Statistically new drivers are more likely to have an accident and need to make a claim that more experienced driver and unfortunately all young drivers have to pay the price.
However, if you choose the right policy it is possible to find 17 year old car insurance at a price you can afford so you can experience the pleasure of owning a vehicle.
About your vehicle
Cars are placed into one of fifty groups by insurers ranging from very expensive cars with powerful engines to cheaper cars that aren’t able to go as fast.
No matter what your age or status, you will be charged more to if you own a fast, expensive car, so as a younger person it helps to choose a more moderate vehicles.
Stick to cars with smaller engine sizes at the cheaper end of the scale for your firs few years of driving, you can always upgrade to something faster later on but you won;t have to pay for it now.
If you want to make modifications to your car then you can expect to pay a premium. Any changes that alter the engine or speed of a car, such as lowering the suspension, upgrading the engine or enlarging the exhaust, will incur higher fees so avoid making changes.
However, if you do make any changes then always inform your insurer as you could make your policy invalid if you need to make a claim and you failed to tell them about a modification.
You can lessen the risk of your car being stolen by improving existing security features or adding new ones. Make sure you’ve got a good alarm system and an immobiliser fitted and if it’s possible park off road, or even better in a garage. The more steps you take to make your vehicle secure the more you will save on your insurance.
Prove your skill
Without experience, it’s very hard to show an insurer that you have good driving skills but one way you can is by taking an advanced driving course. Many companies will offer discounts to advanced drivers so if you can afford the initial outlay for lessons you can save yourself a significant amount on your policy.
Avoid making a claim
Over time, the most effective way to reduce the cost of your insurance is to avoid making claims so when you’re driving make sure you keep alert and don’t be distracted by friends or mobile phones.
You’ll be driving for many years to come so if you want to benefit in the future practice careful driving today.
Set aside some cash to pay for minor repairs if you need them and you’ll reap the rewards in years to come.