6 Ways to Get a Great Deal on your Car Insurance

After you’ve passed your test, things start to become expensive for young drivers, as this is a sector that many insurance companies try to avoid. Often insurance companies will not quote for drivers under the age of 25.
Here are a few tips that help to bring these costs under control:

1. Go for the smallest engine size or insurance group
2. The premium for a newer car may be lower than an older car. The value of the car is not a key factor when the insurance company is setting the price but the newer the car the lower the premium as newer cars are deemed to be safer, thereby reducing the risks to the occupants.
3. Always check out a Comprehensive quote as well as Third Party only or Third Party Fire and Theft. The Comprehensive quote may be cheaper
4. Technology is taking a bigger role in setting insurance premiums. This can be used to limit the time that you may drive, thereby avoiding the high risk times late at night. The latest technology allows the driver to review their own driving and cut out any high risk manoeuvres, which may cause the insurance company to view you as a higher risk and so increase your premium.
5. Always review the comparison sites and also check the premiums direct with companies that are claiming the lowest rates on the comparison sites as minor variations to the proposal can have an impact on the price.
6. Whilst you may be tempted to ask a parent to insure the car and you go on as a named driver, this is fronting and is now frowned upon by insurance companies. You may not have the cover you were expecting and this could lead to all sorts of problems in the future.

This blog post is by Nigel Lacy from Young Marmalade, a combined car purchase and comprehensive insurance scheme.