Car Insurance for Young Drivers – Compare The Market


#cheap car insurance for young drivers
#

Car Insurance for Young Drivers

Ups And Downs Of Being Young!

If there’s a downside to being young, it’s that car insurance can be pretty expensive compared with older drivers.

Getting your first licence is like a rite of passage, and yet you’re often penalised just for being the age you are! Is it fair? Probably not if you’re under 25, but the reality is younger drivers are more likely to be involved in accidents than others, nothing more.

Compare themarket .com.au recognises how tough it can be starting out with insurance, that’s why we’ve made it easier for you to compare quotes right here and see if you can strike a better deal.

Leveling The Playing Field

Okay, so you’re young and it’s likely that you’ll need to shell out more on your insurance than those older than you. It’s not all doom and gloom, though! There are certain things you can do to give yourself the best chance at reducing your premium, both in the short and long term.

Perhaps the biggest factor that will influence your premium is the type of car you drive. Sports, luxury and highly modified vehicles will almost certainly attract higher premiums.

Paying by the month can curve the cost of insurance by spreading out the payments across the year in installments. Above all, developing a safe driving record is a sure-fire way of progressively lowering your insurance premiums long term.

Don’t Be Fooled…

While you can get cheaper insurance options like third party fire theft, these policies don’t cover your own car in the event of an accident. You could wind up losing the most valuable thing you own, or at the very least, be left with huge repair bills.

Comprehensive car insurance is the most popular insurance taken out in Australia, and offers the highest degree of protection on the road. See if compare themarket .com.au can help you find the right cover for your situation.

Whether it’s time to renew or you’re simply looking for a better deal on your existing cover, comparing car insurance rates online helps you save time and money.


Car Insurance For Young Drivers – Compare Quotes Online


#cheap car insurance for young drivers
#

Car Insurance For Young Drivers

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Young Drivers’ Car Insurance

Passing a driving test and getting a first car are big milestones in a young driver’s life as they signal the arrival of a new kind of independence. But sky high insurance premiums can be a major obstacle when it comes to actually getting on the road.

At Tiger.co.uk we know that finding cheap motor insurance for young drivers can be a struggle, as young motorists have been experiencing significant increases in insurance premiums.

With the price of car insurance steadily rising, the financial strain placed upon young drivers to get insurance for their vehicles is becoming more of a burden than it has been in past years. Young drivers’ insurance is usually considerably more expensive than insurance for other driver groups and the reasons for this are explained below.

Why is Young Driver Insurance So Expensive?

As with all car insurance, in order to calculate premiums insurance providers need to evaluate the likelihood that a driver will make a claim. The greater the risk, the higher the premium. Younger drivers generally present a bigger risk to insurance providers as, statistically, they are more likely to be involved in accidents. Consider this statistical information from the Driving Standards Agency:

  • One in five drivers has an accident within their first year of driving
  • Male drivers under the age of 21 are ten times more likely to be involved in a car accident than male drivers who are over 35 years old
  • One in three male drivers aged 17 to 20 have an accident within the first two years of passing their test
  • An 18 year old driver is more than three times as likely to be involved in a crash as a 48 year old

All of this has an implication on the cost of car insurance for younger drivers. Put simply, insurance providers pay out more on policies that are held by younger drivers and, therefore, they charge this group of drivers more for their car insurance.

However, Tiger.co.uk is here to help. We have a large list of insurers on our panel, many of which specialise in young drivers’ insurance.

What Can Be Done To Make My Insurance Cheaper?

For many young drivers a great way of getting cheaper car insurance is to consider telematics-based insurance. Telematics insurance (sometimes known as “black box insurance” or “pay as you drive insurance”) requires a small device that is about the size of a mobile phone to be installed behind a cars dashboard. This will record a range of driving information such as what time of day the vehicle is driven, how fast it is driven, how quickly the driver accelerates and decelerates and the distance driven. Premiums are often set based on risk factors that include specific criteria, such as not driving at night or limited mileage and when it comes to renewal, premiums may be adjusted depending on the safety of the policyholder’s driving.

One of the most important factors for the price of car insurance for all motorists, not just young drivers, is the type of insurance cover chosen. Many young drivers opt for one of the lowest levels of cover, Third Party, Fire & Theft, often assuming that this will be the cheapest.

Third Party Fire & Theft provides cover for fire and theft claims but only covers damage to third party vehicles and property and does not cover any damage to the owner’s vehicle in the event of an accident. Fully Comprehensive insurance, on the other hand, protects the owner’s car and property as well as that of the third party.

However it may be useful to know that Third Party, Fire & Theft cover is not always cheaper than Fully Comprehensive cover and it is always worth comparing the prices of each – look at all insurance policy types available before making a decision.

There are many things young drivers can do to make their insurance cheaper. A few of them are listed here. More ways to save can be found in our Young Drivers Insurance Guide :

  • Add an older driver to the policy. If you own the car you must be the principal driver on the insurance policy but putting older siblings, parents or grandparents on the policy as a second driver could help to obtain cheap car insurance for young drivers. Do not be tempted, however, to name an older driver as the main driver if this is not the case. This is an illegal activity known as “fronting”.
  • Start off with a smaller car. Having a small car will make it easier to find cheap motor insurance for young drivers. Not surprisingly, insurers are not keen on young or inexperienced motorists driving cars with large, powerful engines.
  • Avoid modifying the car or buying a car with modifications. Even something as small as buying a new stereo can count as a modification and insurers will often charge higher premiums for modified cars.
  • Fit extra security devices. Approved immobilisers and trackers added to cars can help young drivers to reduce the cost of car insurance.
  • Post-test qualifications. Consider the post-test driving course known as Pass Plus. Taking this can sometimes help bring down the cost of motor insurance.
  • Shop around! Car insurance pricing for young drivers varies from insurer to insurer. Tiger.co.uk provides drivers with a great way of doing this via our easy to use price comparison site, providing access to over 90 insurance brands.

We hope that with our advice, young drivers will be better placed to find the right level of car insurance at an affordable price. To get a young driver car insurance quote, simply click the “Get A Quote Today” button below.

Guides

Guide To Car Insurance Groups


Car Insurance for Teens – State Farm.


#car insurance for young drivers
#

Continue Your Auto Quote

How to Add a Teen Driver to Your Auto Insurance Policy

  1. To add a new teen driver to your auto insurance policy, you can:

Log in to your account on statefarm.com

If you do not have a customer ID, please register now

  • If you are not adding a vehicle, the new teen driver usually needs to be rated as a primary driver on one of the family vehicles.
  • Your insurance rates will typically increase when a new driver or teen driver is added to a policy. Find out if you qualify for any auto insurance discounts in your area, such as a Good Student Discount or the Steer Clear Safe Driver program.
  • Talk with your teenager about safe driving, as well as how traffic violations will affect your rates.
  • If you are buying a new vehicle, you may want to consider which vehicles get the lowest rates.

    If you or your teen driver accidentally injures someone or damages their property, you could be sued.

    Coverage amounts are written in increments of $1 million and supplement your present policies to provide additional personal liability protection.

  • For more information about teen driver safety and tools for new drivers, visit State Farm Teen Driver Safety .


    Buy little used small automatic cars for sale in Exeter, Devon


    #automatic cars for sale
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    Established in 1995, Exeter Small Automatics are the largest specialist retailers of high quality previously owned small automatic cars in the UK.

    Our customers now come from across the South and West of England, including Devon, Cornwall, Dorset, Somerset, Gloucestershire and Hampshire, plus an increasing number from as far afield as Wales, London, the South East and the Midlands. Situated as we are, close to the M5 junction with the A30, we are easily accessible via good direct road connections from the Plymouth, Bristol, Bath, Taunton, Yeovil and Bournemouth areas.

    So as to give our customers the widest possible choice we endeavour to keep on-site at least one example of almost every make and model sold in the UK within the last eight years.

    With our comprehensive specialist stock we can usually satisfy our customers particular requirements without delay. In the event that we cannot, then we will locate and secure that car for you via Autosearch .

    Most makes and models of small automatic cars are usually available immediately, many with detailed service history and low mileage. Our stock changes daily. Please see our car finder stock list for current details. If you cannot find the car you are seeking, please telephone, write or email with your request. Many of our cars are suitable for adaptation to the special requirements of those drivers who have disability needs. These modifications are undertaken by qualified specialists.

    Our very special Parts Labour Warranties are, we believe, the best in the business as they cover almost everything, excluding driver abuse and accidental damage. For further details see under Buying .

    Good allowances are offered for part exchange vehicles, particularly for auto models similar to those which we sell. Please see Makes and Models. and also Selling .

    All usual dealer facilities are available including competitive finance plans, details of which are available upon request (more. ). We are happy to arrange vehicle modifications for customers with special needs. All cars are sold with a twelve month MOT certificate and extended warranty, and for your peace of mind are checked and cleared on the HPI Identity, Outstanding Finance, Condition Alert Stolen Vehicle Registers.

    At all times we endeavour to meet our customers individual requirements, offer free, helpful advice and provide a professional, courteous service.

    We are situated in an easy to find and reach, central West Country location, just off the new A30 near Exeter Airport in Devon. For directions and a map please see How To Find Us .

    Our usual opening hours are 9.30 am until 5 pm Monday to Saturday. We will be closed on some bank holidays. We are of course happy to meet customers at other times by prior appointment.


    BRITISH SPORTS CARS FOR SALE. CLASSIC BRITISH SPORTS CARS. CLASSIC BRITISH SPORTS CARS FOR SALE


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    Booming auto sales spawn something new for China: a market in secondhand cars


    #secondhand cars
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    Booming auto sales spawn something new for China: a market in secondhand cars

    GUANGZHOU, China As car enthusiasts converge on the annual Guangzhou auto show, few have anything except a shiny new set of wheels in mind. But explosive growth that transformed China into the world’s largest auto market is also giving life to a new industry here: used cars.

    Chinese started buying new cars in huge numbers about four years ago, about the average length of time analysts say drivers will stick with a vehicle before trading it in for a fresh model.

    The secondhand market is already taking off, with sales growth last year outpacing that for new vehicles. By volume it is still dwarfed by new cars, which outsold used vehicles three to one. In countries such as the U.S. that ratio is reversed, highlighting the secondhand market’s vast potential to make car ownership affordable for millions more Chinese.

    The challenge in China is to develop a modern market for secondhand autos. The business is dominated by thousands of small trading companies that operate out of big trading halls or open air markets on city outskirts. Vehicles are sold tax free and ownership can be transferred in a day but quality and fair pricing can be uncertain. By some estimates, four in five used car transactions take place at these markets.

    For foreign automakers, the used car business in China is very different to anything that you would recognize in the Western world, said Marin Burela, president of Changan Ford, the U.S. company’s China joint venture.

    Global automakers have been slow to add used car sales at dealerships but are now racing to expand into the business, which will diversify their revenue and help build brand loyalty.

    Liu Yu-chen, a 28-year-old snack food entrepreneur, plans to buy his first second-hand car after owning a series of new vehicles, the latest a Toyota Prado SUV bought in August.

    After conducting a good inspection, you just need to figure out whether the car appears to have been in any accidents, said Liu as he browsed vehicles at Guangzhou’s Guangjun Used Car Market, which houses dozens of small auto trading companies.

    He is budgeting up to 1 million renminbi ($164,000) for a used Land Rover and doesn’t consider the price tag high. Luxury autos tend to be more expensive in China because of taxes and foreign automakers pushing the limits of what they can charge.

    What I want to buy is a well maintained car, no damage. Scratches don’t matter. If there’s no big problem with the bumpers, no weird sound from the engine, then I’ll consider it, said Liu, who flew from his home in the central city of Xian to car shop in the southern economic boomtown because he thought they would be cheaper.

    Last year in China, used car sales rose 11 percent to 4.8 million vehicles, while new car sales rose 7 percent to 15.5 million. Ford’s Burela, speaking at the Guangzhou auto show which runs until Saturday, said the industry expects used car sales of 6 million this year, about 10 million in 2016 and 20 million by 2020, putting it on par with new vehicle sales.

    About half of Ford’s 500 dealerships have been approved to sell certified used cars that come with warranties. The company has also opened six showrooms this year selling only secondhand vehicles.

    Dealers in China will need to focus on used auto sales to raise their profit margins as new car sales start to plateau. In the U.S. about 55 percent of a dealer’s revenue comes from new vehicle sales while 25-30 percent comes from second hand sales, and the rest from parts and servicing.

    But in China, new car sales have accounted for 90 percent of revenue, said Ivo Naumann, Shanghai-based managing director of advisory firm AlixPartners.

    Chinese brands, unpopular because of quality concerns, will likely fall further behind the dominant foreign brands including General Motors, Volkswagen, Toyota and Nissan as the secondhand market develops, Naumann said.

    Some people who probably historically would have bought a new car because they were first time buyers, they’ll say: Well I only have $8,000, I could buy a Chinese brand, low quality, or I could buy this second hand car from Volkswagen. And then that can have an impact on the overall market, Naumann said.

    Because China’s auto industry is still new, there are bottlenecks holding back growth of the secondhand trade. For one, there’s no system of easily transferrable temporary plates for dealers, constraining the number of cars they can have in stock.

    Another problem is lack of accurate and consistent information about prices. Beijing-based Bitauto Holdings, which runs a car pricing and listing website, is teaming up with U.S. company Kelley Blue Book to launch a China price guide next year using data on 1 million transactions from their other partner, the China Automobile Dealers Association.

    Some dealers have adopted the latest technology. Dongfeng Nissan, the Japanese company’s China joint venture, has its own system to assess trade-in values. Staff use iPads to carry out a step-by-step check. They can photograph scratches or other damage and upload it.

    The system will automatically prompt an overall score on this car and a recommended resale price to staff, said deputy general manager Yasuhiro Konta.

    Currently, most owners who want to sell a car will typically take it to between three and five traders to get an idea of price, usually an estimate by a senior employee based on their own judgment, said Bitauto’s chief financial officer Andy Zhang.

    The whole experience is fairly insecure, Zhang said. It’s very important to have those benchmark prices out there.

    __________

    Follow Kelvin Chan at twitter.com/chanman


    Bill of Sale Form – Free Template for Car, Boat, Motorcycle, etc.


    #bill of sale car
    #

    How it works

    We guarantee our service is safe and secure.

    Reviewed by Rocket Lawyer On Call Attorney Samantha Dammer, Esq

    Use a Bill of Sale if:

    Sample Bill of Sale

    More than just a template, our step-by-step interview process makes it easy to create a Bill of Sale

    Bill of Sale Basics

    When you’re transferring goods to a buyer, a bill of sale form is the easiest way to make it legal. But just because a bill of sale is a fairly straightforward legal document doesn’t mean you shouldn’t know a few things before you start.

    When you shouldn’t use a Bill of Sale

    For real estate: If you’re planning on transferring real estate property, you can’t use a bill of sale form. Real estate transactions are simply much more complicated and require different forms, such as a quit claim deed, or forms available only from your state or local government. Consult with a real estate attorney or real estate agent if you’re looking to transfer this kind of property.

    For services: A bill of sale should be used when transferring goods, not when performing services. If services are involved (such as woodworking, babysitting, business consulting, etc.), it’s a better idea to use a general contract for services.

    For small sales: This is a matter of personal preference, but most people do not feel it necessary to use a bill of sale when transferring cheaper property. If you’re selling a used guitar, a bill of sale makes a lot of sense. If you’re selling a couple old fishing lures, it might be more trouble than it’s worth.

    Specific types of Bills of Sale

    For certain items or classes of property, you’ll need to use a specific bill of sale. That’s because those bills of sale will contain information required to make the sale legal. Here are a few of those types of bills of sale, all of which we provide.

    Car bill of sale Used car sales between two parties are incredibly common, but you can’t use any bill of sale to transfer the ownership of a car. That’s because a car bill of sale has specific information you need to provide to actually purchase (or sell) an automobile. For example, to legally sell a car, you’ll need to let the buyer know the VIN number, the make and model of the car, the odometer reader, and whether or not that car is under any sort of warranty. Failure to provide that information can actually void the sale of the car.

    A motorcycle bill of sale will contain nearly all that information as well. Omitting any of those details can likewise void the sale.

    Boat bill of sale Like a car bill of sale, a boat bill of sale contains information about the make, model, year, price, and valid warranty of the watercraft in question. But unlike a car, a boat has what’s called a HIN (this stands for hull identification number.) Like a VIN, it’s unique to each boat and is used by government agencies in keeping track of the ownership chain.

    Benefits of a Bill of Sale Form

    A bill of sale helps the transfer of property go smoothly for both buyers and sellers.

    Taxes: as a seller, you may need to report the sale amount as part of your tax documents or for business accounting purposes.

    As-Is: indicating on a bill of sale that you have sold property “as is” protects you as a seller if the buyer encounters problems with the item after purchase. For example, if a person buys an automobile from you and it breaks down after he or she drives away, you are not responsible for the repairs or damages.

    Transfer of Ownership: a bill of sale also documents when the item was transferred to a new owner, which can be critical in certain cases. For example, if someone buys a gun from you and the gun is then used to commit a crime, a signed bill of sale form may be used as supportive evidence that you were not the owner of the firearm at the time of the crime.

    Proof of Ownership: as a buyer, a bill of sale provides proof of ownership, allowing others to verify your rights to property. Whether registering a motorcycle at the DMV or totaling the value of your assets for a bank loan, the document serves as required proof of ownership.

    Date of Ownership: other benefits include documentation of the date that you became owner of an item, preventing disputes about when the property was transferred. The value of the property as agreed on by buyers and sellers is also included on a bill of sale form, limiting conflict over how much was paid or received and/or when payment(s) were made.

    More Bill of Sale Information:

    Want to learn more about Bill of Sale forms? We’ve got you covered.

    If you have any questions about what’s right for you, we can connect you with a lawyer for quick answers or a document review.


    Best used cars for under $15, 000 – Consumer Reports


    #cars under 1000
    #

    Best used cars for under $15,000

    Buying a used car can be a great way to save money. The trick is to find a not only a good deal, but a good car—one that will be safe, reliable, and enjoyable for years. Our picks for the best used cars can help steer you in the right direction.

    Consider this a quick cheat sheet, highlighting some standout models. For a deeper look at your options, tour the used-car section of ConsumerReports.org. where you’ll find reliability data, road tests, pricing, and much more. That said, we’ve selected these models as great choices.

    Each performed well in our testing when new and had above-average reliability for the model years shown, based on our Annual Auto Survey. All of the models came standard with electronic stability control (ESC), a proven lifesaver, during the years indicated.

    Visit our used car buying guide for quick access to the latest advice, Ratings, road tests, and videos.

    Less than $10,000

    The economical and efficient Sonata has a decent ride, secure handling, and a responsive four-cylinder engine that returned 23 mpg overall. The Acura TSX is a more upscale and sportier alternative. (Get detailed pricing .)

    The RAV4 was redesigned in 2001, but it wasn’t until 2004 that it got standard antilock brakes and ESC. It has nimble handling, good brakes, easy cabin access, and a particularly strong engine. Fuel economy of 21 mpg is decent for an all-wheel-drive SUV. (Get detailed pricing .)

    $10,000-$15,000

    The Fit is an excellent choice among hatchbacks. It has amazing space utilization; responsive, agile handling; and a super-efficient four-cylinder engine that returns 30 mpg overall with an automatic transmission. For a bit more refinement, look for a Mazda3 hatchback or sedan. (Get detailed pricing .)


    Best Places to List Your Used Car for Sale


    #used car listings
    #

    Best Places to List Your Vehicle for Sale

    If you do a search for “used car classifieds ” on any search engine, you’ll get hundreds of sites allowing you to list your car for sale.

    Obviously you don’t want to spend hours sifting through all that data and figuring out which sites are worthwhile to list on. Luckily, there’s only a few that are really important.

    The two largest are Cars.com and AutoTrader.com.

    Cars.com syndicates their listings to over 175 newspapers and partners such as Yahoo Autos. They have about 3 million used cars for sale at any given time.

    Their premium listing is $55 and comes with a 90-day money back guarantee along with a free CARFAX report (worth $34.99). They also offer a $15 basic ad listing which will show your ad for 21 days, but with no money back guarantee or CARFAX report.

    AutoTrader.com offers a similar package. A $60 listing gets you a money-back guarantee while their less-expensive $20 listing stays active for 3 weeks – but with no money-back guarantee.

    Cars.com and AutoTrader offer a huge database of used car listings, but most are actually dealer listings.

    The largest for-sale-by-owner site is Craigslist . The listings here can be very un-organized, but it’s definitely worth including your vehicle – and the best part: it’s Free!

    You’ll also want to include your vehicle in eBay Motors Local Classifieds section. They will display your listing to anyone that searches for your car within a 200 mile radius of your location. The service is free and even comes with a limited CARFAX report worth $19.95.

    By listing your used vehicle on these four sites, you should have all your bases covered.

    My Recommendation for Car Shoppers

    TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you – and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.


    Best Electric Cars for Sale


    #electric cars for sale
    #

    Search New and Used ‘electric Cars’ for Sale

    EDITOR’S REVIEWS

    • The Truth About Electric Cars

    THE INSIDE LINE – As our industry insider says early on in our conversation, there are few hotter topics in the motor industry at the.

  • Electric Cars – A Question of Ownership

    RESIDUALS AND RESALES ADDRESSED – Test driving the Mitsubishi iMiEV last week went a long way to reassuring us about the reality of the electric vehicle.

  • Electric Cars on the Road

    LEGISLATORS FORCE THE PACE – Two steps closer to the electric car reality this week as both legislators and manufacturers make their final moves towards acceptance.

  • Best Electric Cars On Sale In 2010

    PETROL FREE – REALITY FOR ELECTRIC CARS? – Just how far can you go in the latest electric cars and will they deliver on performance, battery life, owner costs.

  • Electric Cars, Electric Dreams?

    CONVERT TO THE ELECTRIC OPTION – When Steve Cropley from Autocar returns from a day spent driving three disparate battery-powered Renaults and says the following, you really.

  • Trust the Leaf – A New Way of Buying

    DREAMING OF THE LEAF – Amongst further disgruntled noises from hauliers and facing the prospect of May Bank Holiday fuel protests, the news that March saw.

  • BMW and Audi Race to Innovate

    MEGACITY AND A2 GO HEAD TO HEAD – It doesn’t take long. Where one manufacturer dares to innovate – and today this means filling or creating a previously unseen.

  • DIY Leaf, iMiEV?

    ELECTRIC CAR CONVERSION – The interest in electric vehicles is gathering pace in the UK and with the Nissan Leaf and Mitsubishi iMiEV set to.

  • Electric Cars 2011

    BUY ELECTRIC CARS IN 2011 – Previously seen as something of an auto oddity, electric cars are now set to flood showrooms in 2011, bringing eerily silent.

    ARCHIVED CAR REVIEWS

    BUYACAR USED AND NEW CARS

    New electric cars to buy may seem a long way off, but the first generation have arrived.