It’s true that the under 25 age group does indeed have to pay a lot more for their car insurance. To a certain extent, this cannot be helped since they represent the most thrill seeking and dangerous group of motorists. However, there are a good number of things that can be done to lessen the impact of car insurance premiums.
One thing that can be done by all age groups is to increase your deductible. If you are on a fully comprehensive insurance policy then perhaps you could consider making it a third party only. This would mean accepting some of the risk if your car was damaged or stolen but the premiums would be a bit lower.
Some insurance companies are increasingly interested in advanced driving courses such as the pass plus programme. This proves to the firm that you are able to drive sensibly and also teaches you some more driving skills, thus decreasing the chance of you having an accident. Some firms are more accepting of these courses that others and some won’t reduce your premiums at all. You just need to make sure to contact the insurance firms to understand their policy.
Smaller cars are generally less expensive to insure for a number of reasons. Firstly, they are less expensive and thus will be less costly to repair and replace. Having smaller engines that are slower to accelerate are also an advantage in this way as you will find it harder to drive at speed which is, of course, a big cause of accidents. It goes without saying that upgrades and sports packages should be left off of your car.
You should also ensure that you car has a good security level and that it would be difficult to steal. This will also lower the risk to your insurer.
Searching the market is another simple but effective way of getting the very best deal. Don’t just use price comparison sites as these don’t include the firms that don’t wish to pay commission to them. Ask your friends who they use as well and get quotes directly from the companies. By following these tips, you should be able to get your insurance price down.
