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When you’re starting out, insurance companies will hit you with higher premiums as you’re seen as being more likely to have an accident and make a claim.
However, there are ways to find discounts and policies that can lower your insurance costs, all the while giving you the cover you need.
Logic should dictate that third party insurance is the cheapest type of policy. This is the most basic type of deal on offer and it’s the minimum level of cover you need to legally drive in the UK.
It pays out for any damage you cause to someone else’s vehicle or property. It won’t offer any financial help should your car need repairs or replacing.
However, insurance companies have clocked that younger and less experienced drivers are the main buyers of this type of policy and they can work out more costly than you expect.
There are a number of factors that make car insurance more expensive for one person than another. These can include:
There are many ways to lower your insurance premiums including:
Car insurance can be a major drain on young drivers’ wallets unfortunately. While you might see yourself as a responsible road-user, insurance companies will see you as being a higher risk. That’s because younger drivers are statistically more likely to be involved in a collision.
Yet, there are ways to get a decent deal on car insurance as a young driver. These include:
As a new driver, insurers, unfortunately, do consider you as more of a risk than experienced drivers but this doesn’t necessarily mean you should be lumbered with the most expensive car insurance.
Even though you might not have a lot of experience on the road, you may be a safe and careful driver, and if this is the case, choosing a telematics insurance policy could help to lower your premium.
Before deciding on a policy, do some homework and compare the deals on offer to you.
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