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New Drivers Automotive Insurance
Learning to drive is an expensive process, but it is nothing compared to the cost of buying your first car and getting insured upon it (unless you happen to take hundreds of lessons before you pass your test). Car insurance is more expensive for those who have just passed their test than it is for any other demographic, and if you want to make your cash go as far as possible, there are a number of things that you can do to try and reduce the costs.
The most important thing that you can do, however, comes before you start shopping for a policy. As a newly qualified driver expensive insurance is just one of the things that you have to accept. The ABI (Association of British Insurers) has reported a rise in those who are lying on insurance policies to get cheaper deals in the wake of the credit crunch and it simply is not worth it. Insurance companies have the power to not pay out on any policy they sold on the basis of inaccurate information on the application. So, it’s usually best to accept that you are going to have to pay more than you want to rather than being ‘economical with the truth.’
One thing that you can do is take a Pass Plus scheme. It costs around £200 and can knock three times as much off your insurance policy as the insurance company will take the scheme as proof that you are a more advanced driver, and as evidence that you care about being safe on the roads rather than just being in a rush to pass your test and get driving.
You can look for specific younger driver policies. Whilst these are still expensive and probably won’t save you money up front, it will allow you to build up a no claims discount quicker than would otherwise be the case and thus lead to cheaper policies later on.
When getting a first car, try and err on the side of caution. Cars with smaller and less powerful engines will be cheaper to insure. Another thing that you can do is to add your parents to your policy, having drivers who are perceived to be safer and more experienced will reduce your premiums. You must not have them as the principal driver, however, because if you drive the car more than anyone else and you are not the first named driver this could lead to the invalidation of your policy.
Of course, the best way of saving money is just to make a really thorough search for an insurance policy. Make sure that you know exactly what you want and approach a number of different companies to ensure that you get the best deal possible. A topical, and helpful site to start searching around for car insurance is Kwik Fit Insurance, who provide online forms for customers wishing to obtain tailor-made car insurance.