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UK Car Insurance New Drivers Tips

By: caroline south

In the UK the cost of insurance for new drivers can be prohibitive, in some cases the amount you spend on insuring your car can end up costing you as much or more than the car itself. New and young drivers may not be aware of different ways they can reduce their premiums.

When you pass your driving test the first thing you want to do is get a car and enjoy your new freedom. Ironically one of the reasons that insurance is so expensive is because there are so many people driving around without insurance. This means that all the legal drivers have to subsidise the almost 1 in 10 drivers who are believed to be driving without insurance in the UK.

So how do you go about reducing the cost of your insurance premiums if you are a new or young driver? There are many different factors that go to making up your quote and some of these factors you can change to reduce the cost of your insurance policy.

One of the most important factors is to buy a car in a low insurance group. All cars are grouped into insurance groups, the higher the group the more it is going to cost you to get cover for your car. So buying a car in a low insurance group will automatically save you money.

Cars in low insurance groups are generally the smaller cars such as the Chevrolet Matiz, Ciroen C1 and C2, Fiat Panda, Ford KA or Fiesta, Peugeot 107, Renault Clio, Skoda Fabia, Smart FourTwo, Toyota Aygo and Yaris and the Vauxhall Corsa. This is not an exhaustive list but you get the idea. You do not have to get a new car as a lot of the older models of the same cars are also in group 1.

If you happen to be a woman then you can also benefit from the fact that lady drivers are safer on the roads and therefore make less claims. This means that you can get a discount and get cheaper premiums by going to some of the specialist car insurers for women.

For many new and young drivers there can be a temptation to customise your car, unfortunately and changes you make to your car must be reported to your insurer and this will usually attract a higher premium. You should not modify your car. You can however get a Thatcham approved alarm fitted to your car which usually attracts a discount on your cover as the car is less likely to be stolen. You can also make sure that your car is parked off the road overnight or in a garage. Doing this will also reduce the cost of any quote that you get.

Article Source: http://www.newarticledaily.com

Find out how to get a better deal on car insurance. New drivers can get a lower quote on their insurance at www.carinsurancenewdriversuk.co.uk/

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