There are many ways in which a learner can decrease the premium for a car insurance package. These could apply to you whether you are just starting out or if you have passed your written test.
The important thing is to save as much money as you can when obtaining a good coverage package for a learner as well as for newly qualified drivers.
In recent times, there have been motor insurance companies that aim to provide lower premiums with less hassle than they did previously. So make sure that you compare hundreds of packages to get the most efficient, cost effective one for you. Submitting your details online to the range of companies is definitely the easiest way you could do this.
Even though there are all these deals, all learners still find it difficult to obtain a coverage that allows them to drive legally on the road. When you submit your details, include as many reasons on why your premium should be lower.
1. Using a cheaper vehicle to learn to drive on
This is possibly the most important factor that you should consider when you insure a car. Try to assign your car to as low a group as you can. This is because, a lower quote means that you will have to pay a lower premium. For example, a group 1 car will be thousands of pounds cheaper than a group 20 car.
The lowest car class would be a small mini type vehicle which has a low engine capacity. Even a small unmodified car with a 1 liter engine will fall into a lower group. Such a car would probably get a rating between 1 and 5.
Recent rating systems have been changed to a one to fifty scale instead of the older one to twenty scale.
2. Improve on your road miles
This is because, if there is one thing that all insurance companies value, it is experience. The more experience you have driving a particular class of vehicle, the lower your premium will be. This is because statistics show that the greatest rate of accidents is met by people under the age of 23. The number of claims has increased by about 300% in the last 5 years alone. In contrast to this, the rate of drivers over 23 who made claims decreased by 10%.
3. Use car insurance comparison sites
Using such a site is definitely the easiest and most reliable way to obtain information about a certain insurance package. This allows you to receive hundreds of quotes from just a handful of sources. This does not involve any intense preparation. All you need to do is to just provide a couple of personal facts as well as a few details of the car. All this along with your driving history is taken into account when finding the right insurance policy.
Bottom-line, you should find a specialist to make sure that you insure the car the most efficient way possible. Some companies aim to insure the larger masses, instead of focusing special packages that target your individual situation. |
