Cheapest Car Insurance For Teenagers – Tips on How to Get the Best Deal
It is not difficult to find car insurance for a young driver. It’s just that most of us do not even consider it. We all know that it is important but there are also many hidden costs involved in owning and driving a vehicle. In particular young drivers will be faced with the problem of having an insurance policy that is not as expensive as it might initially seem. There are ways in which you can reduce your premiums, but before we look at how you can do that let’s look at why they are being offered.
For most people it would seem that teenagers are the only age group that should have to pay for their own car insurance. However this is not true. There are different types of car insurance available for those drivers who are young at heart and for everyone else. So, if you’re looking for the cheapest car insurance for 18-year-olds you will also be interested to know that it is possible to get the same service, at a lower premium, from a company that offers this to everyone else.
When looking for car insurance for a young driver you will be faced with three options. These are third party fire and theft, third party only and fully comprehensive. All of these have their different benefits but on the whole they come at a cost. Fully comprehensive has the biggest premiums attached to them so this is the type of policy that you should opt for if you can afford to pay for it. If you get third party only then you will have protection from fire and theft but you will not be covered for any medical expenses.
The best way to make savings is to get as much cover as you can for as little money as possible. This is especially important if you are purchasing a used car. While the market is awash with bargains, you still need to compare the cost of third party only cover along with what you would get for fully comprehensive. If you take the time to work out how much you will end up paying for the various types of cover, then you will be able to work out how much you can cut back.
In terms of finding car insurance for a teenager you need to remember that it is unlikely that the insurance company will reward good driving with cheaper rates. They will instead focus on the risk of making a claim. They will expect the driver to drive carefully and not to put anyone in danger. However, if you do follow these rules, then you may be able to get cheaper quotes and this may be the way to go.
The most important thing is for the teenager to be honest about their driving history. If they have a clean record, it will go a long way towards reducing the cost of the insurance for a teenager. A good idea is for them to get their parent or legal guardian to co-write their insurance application. The fact that they have an adult controlling them and providing the application forms is a great deal more likely to reduce the cost of the car insurance for a teenager than simply asking the parent to fill in the details.
If you are looking to get your teenager a cheaper quote then you need to look at different factors that can affect the quotes. Firstly, make sure you are driving around in the car that your teenager will be driving. Even if you are only interested in insuring the car for weekend trips, there are many ways you can help reduce the cost. For instance, by putting an alarm system in the car, teenagers will find that they pay a lot less for the insurance as they will be seen as a safer driver.
If you want to get cheap car insurance for a teenager, then it is probably best to look online for a quote. Many companies now provide a website where you can enter your details and get a quote almost instantly. By going this route, you will also be able to compare the different types of cover that are available to you, which can help you decide which is the best for your needs. Make sure that the policy gives you enough cover for your needs, and this should be calculated into the quote you are given. You should also consider taking your teenager out with a younger driver, as this will normally increase the amount of the premium.