| u have recently passed your test and are about | | | | companies will consider this factor and offer a |
| to happily buy your first ever car there is still one | | | | lower premium. Additional drivers that have a |
| problem you face - the insurance. Some insurance | | | | clean license and many years worth of road |
| companies will simply not even consider giving a | | | | experience can bring down the costs. |
| policy to drivers under the age of twenty one as | | | | 4. Get added to your parent's policy: This option |
| it is usually these drivers that make the most | | | | involves you not having your own policy but being |
| claims, they are a high risk, and even if they do | | | | added to one of your parents. They may have to |
| give a quote the cost can be prohibitive. Finding | | | | incur an extra charge but it can be cheaper than |
| the cheapest insurance for young drivers is not | | | | having to pay in full for individual insurance. |
| always an easy task. There are a number of | | | | 5. Increase the potential payouts: You can talk to |
| young people that forsake auto insurance | | | | a possible insurance company about increasing the |
| completely as they think they just cannot afford | | | | amount that you would pay out if you have an |
| it, but this is a huge mistake which can result in a | | | | accident in exchange for a lower yearly charge. |
| court appearance. | | | | 6. Find a firm specializing in young persons |
| There are a number of steps that you can take | | | | insurance: There are a number of firms today |
| to lessen the cost of young person's car | | | | that have been set up only to provide insurance |
| insurance - | | | | to new and young drivers. These are generally |
| 1. Take an advanced driving course: Most | | | | cheaper than the mainstream providers. You can |
| countries have additional driving courses that are | | | | easily find such businesses by searching on the |
| far more advanced than the average test. They | | | | internet. |
| are quite complicated and take a lot of practice, | | | | 7. Take out a short term policy: Many companies |
| but if successfully completed the insurance | | | | can offer insurance that covers a short amount |
| premiums can be reduced by a large percentage. | | | | of time. It may be financially beneficial to have a |
| 2. Purchase a care wisely: If you buy a top of the | | | | policy of only six months which if you have had |
| range model with a powerful engine then the | | | | no claims by the time it expires can then increase |
| insurance will be very expensive. When purchasing | | | | the chances of you getting a cheaper one next |
| your first car go for a compact vehicle with a | | | | time. |
| small engine. This can bring the insurance group in | | | | 8. The type of policy: Basic liability coverage is |
| which the car is classified to a more affordable | | | | generally cheaper than fully comprehensive. Take |
| one. | | | | time to shop around and find a firm that offers |
| 3. Add a parent to the policy: If you can add one | | | | young drivers a basic liability coverage. |
| of your parents to your insurance policy some | | | | |