Looking for the best cheap car insurance in the UK? As a young driver, you no doubt know by now some of the insane prices insurance companies expect you to pay to cover your car. It may seem as if cheap car insurance is illusive, but the fact of the matter is that it is out there, and you can separate the average cheap car insurance with the best cheap car insurance as well.
Many insurance companies, especially those on the Internet, have begun to see a gap in the market with young drivers. While it is true that young drivers generally cause more accidents, are more prone to drink driving, have accidents that are more costly, and other factors; there are also a number of young drivers who are very good at driving, drive safely and maturely.
It seems unfair that good young drivers should have to pay because of bad young drivers, and the best cheap car insurance companies realise that they cannot use a one-size-fits-all approach with all their customers. For this reason, many of the insurance companies offering cheaper insurance to young drivers are doing so by using incentive measures to help the young driver see the benefit of driving safely and responsibly.
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This is of advantage to you, the young driver, as many of these schemes involve early no-claims discounts and cheaper insurance prices the longer you drive your car without having an accident or being convicted for drink driving. Some companies will pay out your first no claims discount within nine months to a year, which is better than having to wait three to five years.
There are a number of other things you can do, as well, to get a cheaper car insurance premium.
Firstly, you can raise your excess. This is the amount of money you pay in an accident. Paying a higher excess means a lower monthly premium. Of course, it really does mean you have to pay the excess if anything happens, otherwise the insurance company will not go ahead with their side of the deal. You must pay the excess first.
Secondly, the kind of car you are driving is a clear sign to the insurance company of what kind of driver you are. Even if you are a responsible driver who enjoys fast cars, the insurance company is going to raise an eyebrow at any fast car or modified car. You are going to have to sacrifice in this area. Some insurance companies will flat out refuse to insure you if you are driving a fast car, and especially if you are driving a modified car. There are only a few insurance companies who will cover you if you have a modified car.
Saloon cars are usually the best kind of car to consider. Any other car, such as an SUV, van, or fast car etc. are going to bring you trouble.
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