Civil War

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#

Civil War

July, 2006 – January, 2007

After a horrific tragedy raises questions on whether or not super heroes should register with the government, longtime Avengers teammates Captain America and Iron Man end up on opposite sides of the argument! Writer Mark Millar and artist Steve McNiven split the Marvel Universe in two as friend fights friend in one of the most celebrated and successful events of all-time!

Civil War Core Issues See All

Civil War Tie-In Issues See All

Related Media See All

Captain America: Civil.

Captain Marvel (Carol Danvers)

Characters In This Event

Civil War Collections See All


AMI Young Drivers Insurance, Car Insurance For Under 25’s, good cheap car insurance for young drivers.

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Young Drivers insurance

Save heaps on car insurance if you’re under 25 with AMI Young Drivers insurance

What do you get?

If you’re under 25 you could get at least a 50% No Claims Bonus* straight away. This is how we treat you like a good driver, saving you heaps. If you’re 25 or older, you can still get a great rate on car cover.

*The No Claims Bonus applies to the premium amount before the application of any relevant adjustments and does not apply to government levies, GST or optional extras. Conditions apply.

Good cheap car insurance for young drivers

Half Price Breakdown service*

When you take out comprehensive car cover, you’ll get a whole year of Standard Breakdown Service for just $16. So we can come to the rescue for less.

Good cheap car insurance for young drivers

Student Multisaver discount

Save even more if you take out Renters Insurance with us too, and get a multi-policy discount.

Good cheap car insurance for young drivers

Agreed value

When you take out a Comprehensive car policy, you and AMI agree the amount we’ll pay, minus any excess, if your car is written off.

How much will your car insurance cost you?

Good cheap car insurance for young drivers

Good cheap car insurance for young drivers

Good cheap car insurance for young drivers

What do you need to know about car insurance?

Good cheap car insurance for young drivers

What is insurance?

It’s a contract between you and an insurance company: you pay them a set amount. In return, the company promises to pay for possible future damage, injury, or loss (which isn’t excluded in your policy). In other words, because you know that accidents do happen, you pay a small amount known as your Premium to cover them, instead of paying for the whole thing after the fact.

Good cheap car insurance for young drivers

Calculating premium

Your insurance cover is calculated based on a number of different things. For example age, gender, driving experience, and the kind of car you drive all play a part. As with all insurance policies, some customers pay more for their insurance than others based on these different things. The cost is basically made up of two parts, your Premium (the price you pay each year) and your Excess (the one-off amount you need to pay to make a claim).

Good cheap car insurance for young drivers

What are excesses?

An excess is a one-off amount you have to pay each time you make a claim, before your insurance looks after your claim. For example, a $500 excess means something like a door ding that will cost $350 to repair at the panelbeaters is at your cost, but anything above $500 is covered by AMI. Your excess remains the same, regardless of the value of the vehicle you’re in an accident with.

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Agreed value

Agreed Value is a benefit offered by AMI on your Comprehensive car insurance policy. It means that if your car is written off or stolen, we pay out the amount that was agreed at the time of taking out the policy (minus any excess). We take advice from a company that specialises in car pricing information to establish the value.

Good cheap car insurance for young drivers

What’s a policy?

This is your coverage from AMI. It’s the specific agreement we come to, including how much you’ll pay, what is covered, and how much you’ll be paid in the event of an accident or incident.

Good cheap car insurance for young drivers

What’s a claim?

A claim is something you submit to your insurance company after an accident or incident. It’s your way of asking them to help you handle the situation and pay out the money promised to pay in the event of something bad happening. You can read more about making a claim here.

Types of car insurance

Comprehensive

Comprehensive insurance is our most advanced cover. It covers damage to your vehicle in the event of many kinds of unexpected situations, including (but not limited to!) accidental damage, theft, and fire.

Third Party Fire Theft

Third Party Fire and Theft cover can be summed up as one that protects your car against fire damage and theft, as well as covering you in case you damage someone else’s car or property. There is no cover for damage to your car in an accident where you’re at fault.

Third party only

Third Party Only generally covers your liability if you cause damage to someone else’s car or property. Your car is not covered. We do have a bonus cover called ‘innocent party protection’ if an uninsured driver damages your car.

Of course there are some things your insurance won’t cover. These are in your policy documents.

Compare cover options

Compare car insurance options

Frequently asked questions

After a non-injury crash you should swap names and addresses with other motorists involved. You’ll find handy crash notes in the AMI app, but the kinds of things you need to note down are:

  • When it happened: the date, time, location, weather conditions, traffic conditions road markings/signs/signals. A quick sketch of the accident scene can often help here.
  • The cars involved: the make, model, registration number, colour, condition, estimated speed, direction, use of lights/indicators number of passengers.
  • Who was involved: their contact details, description/distinguishing features of driver(s), contact details of passengers, pedestrians/other witnesses, details of any police officers involved
  • What was damaged: a description of the damage to vehicles/property and any injuries to people involved.

If possible it’s always useful to take photos of the scene, damage to your car and the other motorists’ cars.

If the crash involved another person’s property, such as a fence, you should report it to the owner of the property within 48 hours of the crash. If the owner cannot be located, you’ll need to report it to the police within 60 hours of the crash.

All crashes resulting in injury (such as broken bones or a night in hospital) should be reported to local police as soon as possible, but no later than 24 hours from the time of the crash.

Depending on what the modifications are, we may still be able to cover you. If you’re unsure about something, it’s best to tell us. Give us a call on 0800 100 200.

You won’t be covered is anyone else under 25 drives your car, unless you’re legally married to them or you have added them as a named driver to your policy. Call us on 0800 100 200 to add other drivers to your policy.

There are a few ways you can try to reduce the costs. If you have a Comprehensive policy you could choose to exclude benefits, such as Rental Cover or Excess-Free Glass Cover, in exchange for a lower premium.


Acceptance Insurance, Florida, cheap car insurance in florida for young drivers.

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Florida Auto Insurance – Get a Free Quote Online

Cheap car insurance in florida for young drivers

Acceptance knows what makes a great Florida auto insurance policy: outstanding value for the money and first-rate customer service. We offer value to our customers with a diverse selection of auto insurance products, so you can get the policy that’s right for your needs, including these fundamental types of coverage:

  • Florida requires drivers to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.

Basic Liability Coverage

Drivers in this state are legally required to carry Florida auto insurance with at least the basic property damage liability coverage. This type of insurance covers the other driver’s property in the event of a collision for which you are at fault. Most serious collisions are far more expensive than that though, so it’s a good idea to consider additional coverage. However, Florida does not require bodily injury liability coverage. This means that if you are at fault in an accident and the other driver incurs accident-related medical expenses, your insurance would not cover any of it. Bodily injury liability insurance is highly recommended in Florida so you will be covered in case of an at-fault accident.

Personal Injury Protection

In Florida, all drivers are legally required to purchase personal injury protection, or PIP. This covers the majority of medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage also covers, in part, lost wages, all replacement services such as child car, housekeeping or lawn work. It also provides a death benefit.

Comprehensive and Collision Coverage

Adding comprehensive and collision protection to your policy is a smart move. A comprehensive and collision policy will cover your property repair and replacement costs following an accident – not just the other driver’s – and you can even add rental car coverage. Comprehensive coverage applies to things like fire, theft, vandalism and other types of damage, as well. If you’re worried about the monthly payments, Acceptance has you covered. You can always choose a higher deductible to lower your policy premiums.

Uninsured Motorist Coverage

If you want to know that you’re covered in the event of an accident, regardless of the other driver’s insurance status, you will need to add uninsured motorist coverage to your Florida auto insurance policy. This type of coverage will protect you from the high costs of medical bills and repairs resulting from collisions with drivers who were not carrying insurance, or who had inadequate coverage for the scope of the damage. Acceptance Insurance offers a range of uninsured motorist coverage to suit your needs.


Classic Car Insurance Group, Online Comparison Quotes (CCI), car insurance for young drivers.#Car #insurance #for #young #drivers


CLASSIC CAR INSURANCE GROUP

Helping you find the cheapest price online.

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We Change The Way You Obtain Quotes!

Looking for an online classic car insurance quote?

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COMPARE CHEAP CLASSIC CAR INSURANCE QUOTES ONLINE!

It Doesn’t Matter How Old You Are!

We can get you a classic car insurance quote for all ages, you will be surprised at how cheap our quotes can be, There’s no obligation to buy from any of our insurers, just get a quote to see how much you can save. Make sure you’re getting a cheap insurance quote that covers you for the things that matter. In a few minutes, you could save a lot of money. Go ahead, get a quote now!

Compare Classic Car Insurance Online!

Our primary goal is to make classic car insurance shopping, a complete breeze. We have the latest comparison online tool which can generate you an accurate quote within minutes of completing the form.

Our insurers cover all of the UK and all ages are guaranteed a quotation, we’ve been told we provide very cheap classic car insurance for our visitors and we take pride in doing so!

Getting a quote couldn’t be easier, just click on the quote button to start, takes a couple of minutes to enter a few details about you and are classic car and away you go!

Car insurance for young drivers

If you need any help, these articles may be of use to you, we explain the benefits of using a classic car insurance compare site, the age limits of the cars and also if you’re wanting to insure an American classic car too, we have further insurance information below with additional articles for you to read if needed.

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Classic Car insurance

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Online Price Comparison

Buy Insurance anytime

Find out how age makes insurance cheaper……

Classic car insurance price comparison……

Classic American car insurance online……

These Articles will explain a little further about classic car insurance incase you’re wanting more information, feel free to take a read, They should help you with obtaining a decent low price classic car insurance quote.

Cheap classic car insurance, the run down..

Classic car insurance under 21, 25, any tips…

Classic Car Insurance in the UK could not be easier!

Vintage and classic car owners are often devoted to maintaining their cars because they consider them a hobby, passion and a great treasure. That’s why they need specialised classic car insurance policies that can protect the cars against any damage as well as the increased risk of theft. But since the insurance market is filled with a lot of insurance companies, there’s need for one to carry out classic car insurance comparison to find favourable policy options that can cover the classic car while making significant savings.

What Is A Classic Car?

For insurance purposes, a classic car can be defined as a car that’s 15 years or older. There’s no fixed age group into which a classic car can fit into; the definition is entirely at the discretion of the insurer. That is why it is good to compare among the range of classic car insurance providers and prices before subscribing to one. Classic car policies prices are very competitive as many insurers believe that such vehicles are well maintained by caring drivers and keep the lowest mileage as possible.

How Are Classic Car Insurance Covers Valued?

Classic car insurers offer either standard cover for cars at their current market value ( which can be less than their true value) or specialised classic car policies covering cars for their true value as classic( often referred to as agreed value cover). Car owners looking for agreed value cover can always speak to insurers to find out whether they can add it to their policy. Choosing to add an agreed value cover to a policy might increase premiums and cause the car owner to incur additional charges but it can offer cover that’s specifically tailored to the classic car. Other additional cover options offered by insurers in the UK market include breakdown cover, legal protection, EU cover, Laid up cover (when the vehicle is on the road) and limited mileage discounts. It is important for classic car owners to look at the fine print of the cover value of any of policies before buying any of them, if they have any doubts.

How Is Classic Car Security Ensured?

Desirable classic and vintage cars can be attractive to thieves since most of them do not have sophisticated security systems. That’s why some insurers will insist that classic vehicles under insurance be garaged overnight or be fitted with enhanced security systems. Fixing an alarm system or a tracker on a classic car can not only protect the car against any risk of theft but it also helps significantly cut down the cost of the cover. Upon making any modification to the car, the owner should inform the insurer of the changes made to the factory- standard specifications, without which the cover will be invalidated.

Is Joining Classic Clubs Important When Finding An Insurance Cover For A Classic Car?

Members of a classic car club often receive discounts from some insurers when arranging cover for the vehicle. Some clubs can also provide for a convenient way of finding specialist insurers for vintage vehicles. But the most important thing for any classic car owner is to compare prices and product features against the other available options in the market so as to get the right policy at the lowest cost possible.

There are additional benefits to joining a classic car social group, outings, drive bys during summer periods and just the general fun you would obtain from driving your classic car, besides all that, you can meet great people who share the same interests as you.

Classic car insurance tips and help…

Car insurance for young drivers

Come and compare your classic car insurance..

Car insurance for young drivers



Compare Cheap Car Insurance Quotes, cheap car insurance for young drivers.#Cheap #car #insurance #for #young #drivers


Car Insurance

Save up to £286 on your car insurance*

*51% of customers could save up to £286.06 Consumer Intelligence, September 2017

COMPARE CAR INSURANCE

Finding you and your car the right quote

When applying for car insurance quotes, you’ll need to have the following details to hand:

Information about your car

This includes the make and model, plus the age and value of your car (every make and model of car is allocated to an insurance group, which helps determine your premium. You can find out which group your car belongs to using this tool). You’re also required to declare any modifications you’ve made.

Information about you

Your job, age, and where you live will need to be provided, along with details of your driving history (including any convictions and claims).

Named drivers

The names and licence details of anyone who will be driving your car need to be provided.

No Claims Discount (NCD) history

Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

Cheap car insurance for young drivers

Cheap car insurance for young drivers

How to reduce the cost of car insurance

Car insurance can be one of the most expensive aspects of owning a car. MoneySuperMarket data shows the average cost of annual car insurance is £579 (September 2017), this is an increase of 7.5% compared to this time last year. Here are our top tips on how to reduce your premiums:

Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £286 on their annual premium*.

Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

Build a no claims discount: Most insurers reward drivers for claims-free driving.

*51% of customers could save up to £286.06 Consumer Intelligence, September 2017

What do our customers think of us?

Customer satisfaction rating

**Based on 1943 reviews in the last 12 months – Read all reviews

What types of car insurance policy are available?

Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

Third Party Fire and Theft

With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

Comprehensive Cover

Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

Our dedicated guides will help you work out which type of cover is right for you and your motor.

How can we help you save on your car insurance?

It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 140 car insurers so they can compete for your business.

We rank the quotes they offer in price order so you can make your selection.

“I got a very good quote for car insurance from MoneySuperMarket.”

“Saved over £300 on my car insurance renewal quote.”

“MoneySuperMarket quickly helped in finding me a much cheaper car insurance – Thank you.”

“Managed to reduce my motor insurance costs by more than fifty per cent with MoneySuperMarket. Very pleased!”

CAR INSURANCE GUIDES

Classic car insurance

Compare classic car insurance quotes online

Student car insurance

Study our student car insurance service

New driver insurance

Get a good deal on your first car insurance policy

European car insurance

Find a policy that covers driving on the continent

Teenage driver cover

Get a good price on teenage car insurance policies

Car insurance guide

MoneySuperMarket s definitive car insurance guide

Multi-car

A single insurance policy to cover several cars

Temporary car insurance

Get covered for periods shorter than 12 months

Car insurance check

Find out if your current motor insurance policy is valid

Third party only

Compare cheap third party insurance quotes

Young driver insurance

Fight back against expensive young drivers insurance

Business car insurance

Get a specialist Business car insurance policy

Car insurance groups

Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees

Fully comprehensive cover

Find out why the most complete level of cover isn t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

Gap insurance

If you re buying a new car, it s well worth considering gap insurance.

Named driver insurance

How adding a named driver can lower the cost of car insurance.

MOTORING NEWS

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And could you be at risk

YOU YOUR CAR

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Do you know your road signs

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All you need to know about insurance

We’re 100% independent: working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us – in our customers’ opinions – the best price comparison website.

Level of service

We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.



Get ** THE CHEAPEST CAR INSURANCE ** deals for smart drivers, cheap car insurance for young drivers.#Cheap #car #insurance #for #young #drivers


Looking for The Cheapest Car Insurance

Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

Time-consuming and Challenging

Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

With our site, you don’t have to take up your valuable time shopping for prices on insurance coverage. Just use our site to do the comparison for you. You enjoy the benefit of inputting your information one time and receiving multiple quotes that are relevant to your needs. With this method, you end up saving time and money.

Accurate Information for Accurate Rates

The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

When you use our comparison site, you end up with rates that are a true comparison. The coverage is the same or similar for each of the companies, which helps you to recognize where you are truly getting the best deal. This allows you to select affordable coverage instead of limiting yourself to the least expensive policy you can find on your own. When looking for the cheapest auto insurance, you can make sure that your policy limits are what you want them to be, giving you peace of mind while staying within budget.



Cheap Car Insurance for Teenager Learner Drivers and New Young Drivers, cheap car insurance for young drivers.#Cheap #car #insurance #for #young #drivers


Young Driver Car Insurance Quotes

for Learner Drivers and New Drivers

Now there is no excuse for that extra practice with your family and friends! We recommend you get as many quotes as you can to make sure you get the right insurance for your circumstances.

Cheap car insurance for young drivers

MyFirstUK – Insurance brokers for young drivers

Cheap car insurance for young drivers

Cheap car insurance for young drivers

QuoteZone – Cheap young drivers insurance (under 25)

Quotezone takes the hassle out of finding cheap young driver insurance quotes, by using a panel of UK specialist young driver insurance brokers, who offer cheap young driver insurance for teenagers and new drivers.

  • One short form to complete
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Cheap car insurance for young drivers

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QuoteZone – Cheap Car Insurance

Cheap car insurance for young drivers

Cheap car insurance for young drivers

Go Girl Car Insurance

Cheap car insurance for young drivers

Confused.com Car Insurance

Cheap car insurance for young driversClick here for a quote and see how much you could save!

Cheap car insurance for young drivers

QuoteSearcher

Cheap car insurance for young driversGet Your Free Quote

Cheap car insurance for young drivers

ingenie Young Driver’s Car Insurance

We fit a black box in your car so we can treat you as an individual and reward you for driving well.

To help you improve we give you simple, regular feedback which you can view online and on your phone. This lets you take responsibility for how you drive as well as how much you pay for your insurance.

Young drivers save an average of £500 when they buy their car insurance from ingenie. And with our black box, 17 to 25 year olds can earn an extra 21% off during the year just by driving well.

There’s no night-time curfews and you could be earning money back after just 3 months – win.

Cheap car insurance for young driversGet Your Free Quote

Cheap car insurance for young drivers

Cheap car insurance for young drivers

Collingwood Learner Driver Insurance

Drive your parents, grandparents, friends or relatives car without any risk to their insurance. Just take out a policy for each vehicle when you need it. Cheap car insurance for young driversGet Your Free Quote

Cheap car insurance for young drivers

Cheap car insurance for young drivers

Dayinsure Learner

Welcome to Dayinsure, the original providers of flexible, low cost, short term insurance.

Quick and easy to arrange, one of the best things about Dayinsure Learner policies is that the vehicle owner’s no-claims discount is not put at risk.

Dayinsure Learner policies are fully comprehensive and are ideal if you require cover to learn to drive or take your test, in a car owned by a friend or family member.

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Insure Daily Learner Driver

The car must already be insured by the owner, as our insurance policy is issued in the name of the learner driver as a ‘top-up’ cover, so as not to affect the No Claims Bonus of the car owner’s in the event of a damage claim.

  • Get FREE L-plates and Theory Test practice DVD when you take out a policy using code ‘FREEPLATE14’
  • Temporary learner driver insurance now from 7 days (1 week) to 140 days (5 months)
  • Simple pricing structure for provisional licence holders aged 17 – 40
  • The policy is written in the name of the learner driver to protect the car owner’s No Claim Bonus
  • Cover for cars up to group 28 with a current market value up to £25000
  • Instant cover arranged online and within minutes using a Debit or Credit Card
  • Immediate electronic delivery of printable insurance documents 7 policy cover periods to choose from and start driving immediately as required

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Insure 4 a Day

Instant cover available on-line.

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Insure Daily Temporary Car Insurance

Purchase cover from 1 to 28 days, Instant cover available on-line.

Ideal for:

  • Borrowing a Friend or Family Members Car
  • Drive Away Cover when Buying a New Car
  • Share the Driving load on a Long Trip or Holiday Abroad

All Documents are emailed immediately after purchase, Arrange Cover in 3 simple steps, Quote/ Pay/ Print & Go

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AXA Car insurance

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Aviva Car insurance

**Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.

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Telematics & Black Box Car Insurance Quotes, MoneySuperMarket, car insurance for young drivers.#Car #insurance #for #young #drivers


Telematics Car Insurance

By Anita Shargall on Tuesday 16 May 2017

Car insurance for young drivers

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

What is telematics car insurance?

Telematics insurance, sometimes referred to as ‘black box’ insurance, uses data about where, when and how you drive to help bring down the cost of car insurance.

A telematics box is installed inside your car, or in some cases you download an app to your mobile phone, to measure various aspects of your driving and share that data with your insurer. If you can demonstrate that you are a safe driver, your insurance premium will reduce.

It’s perhaps not surprise that telematics car insurance policies are gaining in popularity, especially for young and inexperienced drivers whose premiums can be sky high.

How telematics differs to other insurance policies

Unlike a standard car insurance policy, a telematics policy requires the installation of a black box device in your vehicle, or the downloading of an app to your mobile phone.

Car insurers always look at a number of risk factors before setting your premium. These include your age, where you live, your occupation and the make and model of the car you want to insure. What makes telematics policies different is that they also take into account your driving behaviour, particularly the length of journeys you typically undertake, the types of road you tend to use, what time you’re usually on the road, and how smoothly you drive.

Your telematics policy will initially cost pretty much the same as a normal policy, but as the insurer monitors your driving, it can start to adjust your premium. This will be done at monthly, quarterly or when the policy comes up for renewal.

You can also see the ‘scores’ you are getting as your driving is monitored, allowing you to make adjustments to improve your telematics performance.

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

Premiums tailored to you

The time of day and which roads you use, along with your driving style, have a big impact on your driving record, which in turn affects the premium you pay. For example, accidents are much more likely at night and in rush hour, and certain roads can be shown to be more dangerous.

With a telematics policy your insurer can track your time on the road and adjust your premiums to more accurately reflect the risk of a claim. For some drivers a telematics premium can be as much as £200 cheaper than a standard policy*

Who is black box insurance for?

The cost of car insurance can be a considerable strain on a motorist’s budget.

While the average car insurance premium is around £500**, inexperienced and young drivers can pay a particularly high price for car insurance. The statistics show that they are more likely to be involved in an accident and therefore more likely to make a claim, so premiums for young or inexperienced motorists can soar into the thousands of pounds, often making it unaffordable to run a car.

Choosing a telematics car insurance policy is one way to reduce your premium if you are in a high risk group, such as:

Cut the cost of cover for young drivers

Telematics insurance companies reckon they can cut the average car insurance premium by about 25% for safe drivers.

But some motorists can benefit from much bigger savings. Young drivers stand to gain from a telematics car insurance policy, as do motorists with driving convictions, who can often pay sky-high premiums. Telematics car insurance can also work to your advantage if you are a careful driver who rarely gets behind the wheel.

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

Charges and restrictions

If you are a young or inexperienced driver and think a telematics premium could save you money, you should also consider the potential disadvantages. Some telematics insurance policies impose restrictions on when and where you can use your car, for example ‘banning’ night-time driving.

Privacy is another consideration. You should always read carefully the firm’s commitment to the use of personal data.

Check also if the telematics insurance company charges for the black box and its installation – and what happens if this is damaged or if you choose to cancel the policy.

You should also ask about your ability to switch to a different insurer when it comes to renewal, and whether you’ll be able to take your telematics track record with you to a different insurance provider.

Choosing a telematics policy

Some experts believe telematics insurance will soon become the norm – interest is certainly high among young drivers in particular.

Compare telematics insurance premiums

Not surprisingly, more insurers are offering telematics car insurance policies, and you can compare premiums using MoneySuperMarket’s free independent comparison site to make sure you get the best deal.

Telematics car insurance providers all use similar technology, but the policies work slightly differently.

Some give you and annual mileage allowance (say, 5,000 miles) and then award bonus miles to careful drivers. Miles could also be deducted from the allowance for a number of risky activities including driving at rush hour or at night.

The data is then used to decide renewal premiums, with discounts for the safest motorists. Alternatively, you can pay for cover by the mile – and the price varies according to the time of the day or night that you take the car on the road.

Installing the Black Box

If you take out a telematics insurance policy, the insurer will either fit a black box to your car itself or send it to you through the post with instructions on how to install it. The black box is no bigger than a smartphone and is often attached to your dashboard.

Alternatively, you will be asked to download an app to your mobile device – and you’ll only be insured if you take your device with you when you drive (remembering never to use it to make calls or send texts or perform any other functions while you’re driving!).

In addition to monitoring where and when you drive, the black box also records how you handle the car – acceleration, braking, cornering and so on. This means that the telematics insurance provider will know whether you drive in rush hour, at high speed and whether you brake harshly and frequently.

If you have an accident

Fans of the black box argue that it encourages safer driving. The technology can also help to track down your vehicle if it is stolen and assist in managing a claim after an accident (it can often serve as an independent, objective witness to the events leading up to the crash).

Car insurance for young drivers

Sources

*MoneySuperMarket car insurance data 1 st – 28 th Feb 2017

** MoneySuperMarket car insurance data 1 st January – 31 st March 2017

*** MoneySuperMarket car insurance data Feb 2016 vs 2017

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Black Box Car Insurance 4 Young – Learner Drivers, iKube Insurance, cheapest car insurance for young drivers.#Cheapest #car #insurance #for #young #drivers


Spend less on your car insurance

Young Drivers (17-25)

Learner Drivers

*Providing your driving test is not passed within the first 42 days of inception of the policy. Other concurrent changes such as change of vehicle or address may affect the premium.

  • Cheapest car insurance for young drivers

You could get an initial safer driving discount of up to 25% off your learner or new driver driver insurance, plus up to 40% if you renew. Best of all you get no increase when you pass your test.

  • Cheapest car insurance for young drivers

    We arrange an engineer to visit

    You are covered to drive as soon as your policy starts. We will arrange a convenient day and location for our engineer to fit the iKube within 8 days.

  • Cheapest car insurance for young drivers

    Avoid The Riskier Hours

    Additional premiums will be payable if you drive between 11pm – 5 am as these hours carry additional risk especially in the first few months of your driving.

    What our customers are saying about iKube

    Cheapest

    “iKube gave me the cheapest quote at renewal, that’s why I stayed for the second year. It doesn’t bother me not being able to drive late.”

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  • Take Control

    “Insurance costs for young drivers are getting out of control, iKube allows me to take control and prove I deserve to pay less.”

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  • Rewarded

    “In my 3rd year of renewal I was offered an unrestricted policy, young drivers can be rewarded financially for behaving on the road.”

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  • Happy

    “iKube looks past the unfair stereotype of young drivers. I’m now starting off my second year with iKube, I remain happy.”

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  • Proud to work with:

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  • Find us on:

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  • iKube Insurance is a trading name of Towergate Underwriting Group Limited. Towergate Underwriting Group Limited is authorised and regulated by the Financial Conduct Authority.

    Registered in England No: 4043759. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN.



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    Young drivers’ car insurance

    Compare cheap young drivers’ car insurance quotes from multiple insurance brands

    • Young drivers aged 17-24 have a better chance of finding the right deal by comparing
    • You can easily compare both telematics and standard options from your results page
    • Read our guide for more tips on cutting the cost of young drivers’ car insurance

    Car insurance for young drivers Car insurance for young drivers

    Key points


    • Young drivers pay more because of inexperience, reputation and risk
    • Driving without insurance is illegal and you risk having your licence revoked
    • Follow our tips for help in getting the right cover and keeping the price affordable

    As a young driver, getting car insurance at the right price and with the right level of cover can be frustrating.

    Not all insurers will quote for you, and when they do the prices they offer can be really high.

    But it’s vital to arrange the right policy – in 2012, DVLA figures revealed that 10,797 drivers with fewer than two years’ experience lost their licences and more than half of those cases were because they were driving without insurance.

    With this in mind, we’ve put together some information to try to help you find a better deal.

    “There are ways to try to reduce the cost as you build up a safe driver record and no-claims discount,” said Gocompare.com’s Lee Griffin.

    Why young drivers pay more for car insurance

    There are three main reasons why young drivers have to pay a lot for their car insurance – inexperience, reputation and risk.

    Inexperience

    Driving experience is a crucial factor – the more time you spend on the road the better your driving is likely to be.

    Drivers with more experience have a proven track record so long as they stay conviction and claim free and, as a result, they get a discount on the price of their car insurance (called a no claims bonus).

    Reputation

    Young drivers have a reputation for causing more accidents than any other age group and statistics from the Association of British Insurers prove that this is true.

    Need more information?

    The data reveals that the UK’s 18-year-olds alone cause 50 collisions a day – three times more than drivers in their 50s.

    Indeed, male drivers under the age of 21 are 10 times more likely to be involved in a motoring accident than drivers over the age of 30. [1]

    This means insurance companies pay out more in claims for young drivers and so charge more for insurance cover.

    Car insurance premiums are based on risk (how likely it is that an insurer will have to pay out on a claim).

    Insurers will look at your quote details (eg your claims history, the cost or type of the car you drive, where you live, your driving experience) and then decide what to charge.

    Young drivers have more accidents and experience more car security issues, such as theft and vandalism, as crime rates are higher amongst young people.

    They are, therefore, seen as a greater risk, and this is reflected in the high price of premiums.

    How young drivers can reduce their car insurance premiums

    While higher prices are the norm for younger drivers, there are some things you can do to lower your insurance costs. Read our top tips for cutting the cost of car insurance, but young drivers may want to focus on the following:

    Did you know.


    • Adding an experienced driver to your policy could reduce your premium.
    • . but if you’re not honest about who the main driver is you’re committing a fraud known as fronting

    Choose a small car

    Get a car with a small engine – for example a 1.1 litre rather than a 1.6 litre – which is in a low car insurance group.

    You’ll also pay less road tax if your car has a small engine capacity.

    Avoid modifications

    Modifications (upgrades to styling, audio or performance) may look good, but for the younger driver they mean a big increase in the price of car insurance.

    Alloy wheels, body kits and performance upgrades make vehicles more attractive to car thieves. Modified cars also tend to be more expensive to fix than ordinary cars.

    Named drivers

    Adding another driver with a clean licence and several years’ claim-free driving to your policy could reduce your premium.

    Just make sure you get consent from the person(s) who you’d like to add so that they know to declare that they have access to another car when getting their own insurance.

    Also, if you’re the main driver make sure you’re noted as such on the policy.

    If you say the other person is the main driver because they have a better driving history you’re committing a fraud known as fronting and you could invalidate your insurance.

    Limit your mileage

    If you only drive at set times of the year (perhaps during term time) then let your insurance company know.

    To lower the risk of having an accident, avoid driving in rush hour and limit your annual mileage.

    Consider a telematics policy

    A telematics car insurance policy works by using a black box or a mobile phone app to monitor your driving and then using the data gathered as the basis for setting your insurance premium.

    Such policies are available for drivers of all ages, but are thought to be especially beneficial for safe, young drivers who are struggling to find competitive quotes.

    The feedback you receive has also been seen as a valuable form of education to help improve your driving.

    Agree a curfew

    Some insurance companies may reduce your premium if you agree to limit your driving to certain hours of the day.

    Improve security

    Consider improving your vehicle’s security. Fit an alarm or immobiliser and – if you have alloy wheels – invest in locking wheel nuts.

    Park with care

    If you can, park your car in a safe spot overnight. Parking off the road can lower the chance of your car being vandalised or stolen. Read more in our article on overnight parking and car insurance.

    Increase your voluntary excess

    Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance.

    Remember, though, if you make a claim you may have to pay that excess before the garage will give you your car back.

    Get a Pass Plus certificate

    Pass Plus is a training scheme for new drivers. Bear in mind that you’ll need to pay for the course and you may not recoup the costs, but your driving should improve.

    Read our article on advanced driving courses for more information on Pass Plus and other courses that may prove beneficial.

    Other ways to cut costs

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount. Other things you can do are:

    Pay annually

    Pay for your insurance when you take out the policy rather than by monthly instalments in order to avoid interest charges.

    Consider your cover

    If you have a car that’s not worth much, consider third party fire and theft rather than comprehensive cover (the car may only be worth a bit more than the excess on your policy).

    Pay close attention to the options, though – third party products generally offer much lower levels of cover and are not necessarily cheaper.

    Our top tip for cheaper insurance


    • You won’t be surprised to hear this. Shop around and review prices using a comparison site such as Gocompare.com!

    Only pay for what you need

    Make sure you’re not paying for policy benefits you don’t really require. For example, legal assistance or courtesy car cover may not be essential to you.

    Shop around

    There will be a vast difference between the lowest and highest quotes from different insurers.

    Choose the cover you need and compare lots of premiums using an established comparison site such as Gocompare.com.

    Some insurers will be more competitive than others for different drivers, vehicles and regions so there’s no such thing as a ‘best buy’ car insurance policy for every driver.

  • By Sean Davies
  • [1] Figures from the Association of British Insurers



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    Quick and easy to arrange, one of the best things about Dayinsure Learner policies is that the vehicle owner’s no-claims discount is not put at risk.

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    The car must already be insured by the owner, as our insurance policy is issued in the name of the learner driver as a ‘top-up’ cover, so as not to affect the No Claims Bonus of the car owner’s in the event of a damage claim.

    • Get FREE L-plates and Theory Test practice DVD when you take out a policy using code ‘FREEPLATE14’
    • Temporary learner driver insurance now from 7 days (1 week) to 140 days (5 months)
    • Simple pricing structure for provisional licence holders aged 17 – 40
    • The policy is written in the name of the learner driver to protect the car owner’s No Claim Bonus
    • Cover for cars up to group 28 with a current market value up to £25000
    • Instant cover arranged online and within minutes using a Debit or Credit Card
    • Immediate electronic delivery of printable insurance documents 7 policy cover periods to choose from and start driving immediately as required

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    Car Insurance for Young Drivers – Compare The Market #euro #car #hire


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    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.



    What are the Cheapest Cars for Young Drivers? #car #horns


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    What are the cheapest cars for young drivers?

    Kevin Pratt. Jun 03 2013 at 1:59 pm

    It’s never been so difficult to be a young or newly-qualified driver. There’s rocketing fuel prices, tax, hefty running costs and, of course, steep car insurance premiums.

    With this in mind, it’s absolutely imperative to do your research before you buy a car. Fuel economy, road tax grouping and the car’s insurance group are vital considerations that will influence your decision.

    Together with DriversEdgeUK. we’ve looked at the total monthly and annual running costs of 10 of the cheapest cars for young drivers. We’ve found that the Seat Mii is the cheapest new car when it comes to monthly expenditure, with the average 18-year-old motorist facing a monthly bill of £346.63.

    This covers the monthly purchase repayment, car insurance, fuel and road tax. The Mii comes highly recommended, having beaten off tough competition to win the 2012 MoneySupermarket Car of the Year title.

    But what if you prefer two wheels rather than four? You could be onto a better deal financially, as the monthly cost of owning a motorbike is significantly less than for a car for young drivers. We found that a Honda CBR would cost the average 18-year-old driver just £224.10 per month.

    Save time and money on your car insurance



    Finding the cheapest car insurance for young drivers – Captain Compare #car #breakers


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    Car insurance for young drivers – finding the cheapest cover

    However, there are a number of other ways car insurance for young drivers can be made more affordable.

    Captain Compare is a brand, trading name and website owned by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241 411).

    Only those providers who have chosen to participate are compared on this site. This site compares the following car insurance brands: Australia Post Car Insurance, Budget Direct, ibuyeco, Virgin Car Insurance, Cashback, 1st for Women, Retirease, Ozicare, AI Insurance and Real Insurance. All car insurance brands other than AI Insurance and Real Insurance (“Auto & General Car Brands”) are policies arranged by Auto & General Services Pty Ltd, for and on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353, AFSL 285 571) (“Auto & General”), which is a related company.

    If you purchase the Auto & General Car Brands, we will earn commission from Auto & General. If you decide to purchase car insurance from another provider using a link on this site, you will be taken to that provider’s website to make your application. If you decide to use the telephone contact details to purchase car insurance from another provider, you will do so via that provider’s call centre. We earn a referral fee for any policy purchased as a result of the use of the comparison service. Details of our commission and referral fees can be found in our Financial Service Guide .

    The comparison service and any other information provided on this site is factual information or general advice. None of it is a personal recommendation, suggestion or advice about the suitability of a particular insurance product for you and your needs. Before acting on the guidance we provide and when using the comparison service, evaluate your needs, objectives and situation and which products are suitable for you. Review the relevant Product Disclosure Statement before making any decision to acquire or hold car insurance.

    Vehicle information has been provided by Red Book (refer Website Terms and Conditions )



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    Young drivers’ car insurance

    Compare cheap young drivers’ car insurance quotes from multiple insurance brands

    Key points


    • Young drivers pay more because of inexperience, reputation and risk
    • Driving without insurance is illegal and you risk having your licence revoked
    • Follow our tips for help in getting the right cover and keeping the price affordable

    As a young driver, getting car insurance at the right price and with the right level of cover can be frustrating.

    Not all insurers will quote for you, and when they do the prices they offer can be really high.

    But it’s vital to arrange the right policy – in 2012, DVLA figures revealed that 10,797 drivers with fewer than two years’ experience lost their licences and more than half of those cases were because they were driving without insurance.

    With this in mind, we’ve put together some information to try to help you find a better deal.

    “There are ways to try to reduce the cost as you build up a safe driver record and no-claims discount,” said Gocompare.com’s Lee Griffin.

    Why young drivers pay more for car insurance

    There are three main reasons why young drivers have to pay a lot for their car insurance – inexperience, reputation and risk.

    Inexperience

    Driving experience is a crucial factor – the more time you spend on the road the better your driving is likely to be.

    Drivers with more experience have a proven track record so long as they stay conviction and claim free and, as a result, they get a discount on the price of their car insurance (called a no claims bonus ).

    Reputation

    Young drivers have a reputation for causing more accidents than any other age group and statistics from the Association of British Insurers prove that this is true.

    Need more information?

    The data reveals that the UK’s 18-year-olds alone cause 50 collisions a day – three times more than drivers in their 50s.

    Indeed, male drivers under the age of 21 are 10 times more likely to be involved in a motoring accident than drivers over the age of 30. [1]

    This means insurance companies pay out more in claims for young drivers and so charge more for insurance cover.

    Car insurance premiums are based on risk (how likely it is that an insurer will have to pay out on a claim).

    Insurers will look at your quote details (eg your claims history, the cost or type of the car you drive, where you live, your driving experience) and then decide what to charge.

    Young drivers have more accidents and experience more car security issues, such as theft and vandalism, as crime rates are higher amongst young people.

    They are, therefore, seen as a greater risk, and this is reflected in the high price of premiums.

    How young drivers can reduce their car insurance premiums

    While higher prices are the norm for younger drivers, there are some things you can do to lower your insurance costs. Read our top tips for cutting the cost of car insurance. but young drivers may want to focus on the following:

    Did you know.


    Choose a small car

    Get a car with a small engine – for example a 1.1 litre rather than a 1.6 litre – which is in a low car insurance group .

    You’ll also pay less road tax if your car has a small engine capacity.

    Avoid modifications

    Modifications (upgrades to styling, audio or performance) may look good, but for the younger driver they mean a big increase in the price of car insurance.

    Alloy wheels, body kits and performance upgrades make vehicles more attractive to car thieves. Modified cars also tend to be more expensive to fix than ordinary cars.

    Named drivers

    Adding another driver with a clean licence and several years’ claim-free driving to your policy could reduce your premium.

    Just make sure you get consent from the person(s) who you’d like to add so that they know to declare that they have access to another car when getting their own insurance.

    Also, if you’re the main driver make sure you’re noted as such on the policy.

    If you say the other person is the main driver because they have a better driving history you’re committing a fraud known as fronting and you could invalidate your insurance.

    Limit your mileage

    If you only drive at set times of the year (perhaps during term time) then let your insurance company know.

    To lower the risk of having an accident, avoid driving in rush hour and limit your annual mileage.

    Consider a telematics policy

    A telematics car insurance policy works by using a black box or a mobile phone app to monitor your driving and then using the data gathered as the basis for setting your insurance premium.

    Such policies are available for drivers of all ages, but are thought to be especially beneficial for safe, young drivers who are struggling to find competitive quotes.

    The feedback you receive has also been seen as a valuable form of education to help improve your driving.

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount

    Agree a curfew

    Some insurance companies may reduce your premium if you agree to limit your driving to certain hours of the day.

    Improve security

    Consider improving your vehicle’s security. Fit an alarm or immobiliser and – if you have alloy wheels – invest in locking wheel nuts.

    Park with care

    If you can, park your car in a safe spot overnight. Parking off the road can lower the chance of your car being vandalised or stolen. Read more in our article on overnight parking and car insurance .

    Increase your voluntary excess

    Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance.

    Remember, though, if you make a claim you may have to pay that excess before the garage will give you your car back.

    Get a Pass Plus certificate

    Pass Plus is a training scheme for new drivers. Bear in mind that you’ll need to pay for the course and you may not recoup the costs, but your driving should improve.

    Read our article on advanced driving courses for more information on Pass Plus and other courses that may prove beneficial.

    Other ways to cut costs

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount. Other things you can do are:

    Pay annually

    Pay for your insurance when you take out the policy rather than by monthly instalments in order to avoid interest charges.

    Consider your cover

    If you have a car that’s not worth much, consider third party fire and theft rather than comprehensive cover (the car may only be worth a bit more than the excess on your policy).

    Pay close attention to the options, though – third party products generally offer much lower levels of cover and are not necessarily cheaper.

    Our top tip for cheaper insurance


    • You won’t be surprised to hear this. Shop around and review prices using a comparison site such as Gocompare.com!

    Only pay for what you need

    Make sure you’re not paying for policy benefits you don’t really require. For example, legal assistance or courtesy car cover may not be essential to you.

    Shop around

    There will be a vast difference between the lowest and highest quotes from different insurers.

    Some insurers will be more competitive than others for different drivers, vehicles and regions so there’s no such thing as a ‘best buy’ car insurance policy for every driver.



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    Online

    Cheapest Auto Insurance for Young Drivers

    To find cheaper insurance premiums, young drivers can compare rates from a variety of companies online. This allows a youthful driver to locate the cheapest quotes much quicker than the old method of contacting each insurer directly for a quote.

    Find cheap insurance rates for young drivers:

    There are companies out there that offer affordable premiums to teenagers, even if members of this group are considered to be a higher risk due to a lack of driving experience; the key is just to locate them. The cheapest insurer is not something someone else can tell a driver because each motorist has a unique combination of risk factors. Teenagers who drive will have to compare quotes from multiple companies at the same time to see the big picture and to easily find those insurers offering affordable coverage.

    Why can the cheapest insurer differ for each young driver?

    Two teenage drivers may be offered cheap rates by a different carrier because factors such as the following have an impact on price:

    • location
    • driving record
    • gender
    • type of vehicle
    • coverage

    It s common to hear a young driver suggest a certain carrier who offered them reasonable prices only to find out that it wasn t the same case for you. This can be for many reasons; maybe they both have different cars or maybe one may have less than 3 years driving which is sort of a breaking point for getting the good driver discount.

    Drivers with less than 3 years driving:

    New drivers who have not had their license for at least three years may not qualify for the 20 percent good driver savings; however, some companies out there will honor the discount at age 19 because they may use age 16 to calculate driving experience automatically. To ensure cheap insurance:

    • Take advantage of premium reductions for:
      • continuous insurance coverage within the last 30 days
      • short commute to work or school
      • good grades in school (may need proof)
    • Consider higher deductibles when adding physical coverage to a vehicle
    • Avoid unnecessary coverage such as collision if the vehicle’s value is insignificant
    • Take a look at this video on how to find the cheapest auto insurance online
    • Consider having the monthly payments automatically withdrawn from your account to reduce billing fees
    • Avoid billing fees entirely by paying premium up-front (3 months, 6 months or one year at a time)

    Completion of a safe or defensive driving course may also entitle younger motorist to a discount. Aside from the savings of premiums, this can be very valuable because such classes teach youths how to operate their vehicles safely which will help them stay safe behind the wheel.

    For more information, see our resource page about auto insurance for teenagers with more articles and frequently asked questions or view this article about cheap car insurance for young drivers for more details.

    Questions about Car Insurance for Young Drivers

    Teenage drivers are notorious for being a bit reckless behind the wheel, and, unfortunately, this makes them more likely to be involved in a traffic accident. Teens who borrow their parents’ cars will only be covered for an accident if the.

    It can be scary enough thinking about a child out on the road in their own car with so many dangers around. Combine road hazards with statistics showing young drivers’ high likelihood of being in a traffic accident, and parents might be tempted to.

    Some grandparents give up driving right around the time their grandchildren start. And not wanting to let a perfectly good car to go to waste, they might want to pass their car on to those grandchildren who are just learning to drive. The only catch is that giving someone a car isn’t.

    News on Young Driver Coverage Issues

    July 31, 2014 – Results were so-so for two small electric car models that underwent their first-ever front-corner crash tests, according to a recent Insurance Institute for Highway Safety (IIHS) report. The plug-in hybrid Chevrolet Volt got an “acceptable” rating, and the EV Nissan Leaf got a “poor” rating in.

    December 19, 2013 – Esurance announced Wednesday the debut of a no-cost program that the auto insurance company said will help its policyholders who are parents to monitor their teen drivers and train those young motorists on the rules of the road. DriveSafe operates through a telematics device that Esurance sends to participants who plug that.



    Cheap car insurance for young drivers – young drivers insurance #car #insurance #quotes #online


    #cheapest car insurance for young drivers
    #

    Cheap car insurance for young drivers

    Young drivers insurance for cars is notoriously expensive – find out why and what you can do to lessen the blow and find cheap insurance for young drivers.

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    Our latest data shows that average premiums for young male drivers aged 17 to 18 are almost more than £2,200, while young women in the same age bracket face average bills of close to £2,000 – a 50% rise since the EU Gender Directive came into force on 21 December 2012.

    And with insurers no longer able to take gender into account when calculating car insurance  premiums, the cost of young drivers insurance is only heading in one direction.

    Why is young drivers car insurance so expensive?

    The main reason car insurance for young drivers is so expensive is the risk the insurer takes – statistics show that young drivers are far more likely to be involved in accidents than drivers over the age of 25, with insurance premiums calculated to reflect the stats.

    AA research shows that one in eight British drivers is aged 25 and under, with a quarter of all drivers involved in serious traffic collisions within this age group.

    As well as being more likely to have an accident, young and new drivers often have to pay more for their car insurance because they haven’t had the chance to build up a no claims bonus  over time.

    Cheap car insurance for young drivers can thus be quite difficult to find, but you can compare the market for new driver insurance on uSwitch:

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    How to find the best cheap car insurance for young drivers

    There are a number of things you can do if you’re struggling with the high cost of car insurance for young drivers:

    Find the cheapest cars to insure

    Many things can impact the cost of young driver insurance and one of the first places to look at is the car itself.

    Insurers place cars into individual insurance groups from 1 to 50.  Typically, if the car is in group 1 it will be amongst the cheapest to insure and 50 will be the most expensive. Cars are rated on the following factors:

    • How quickly the car accelerates and its top speed
    • The value of the car as new
    • The security features the car has
    • How much it will cost and how long it will take to fix if it is broken
    • How much the individual parts cost

    You can learn more about the type of cars which attract the cheapest insurance premiums by reading our guide to the cheapest cars to insure .

    Get an extra driving qualification

    Some insurers offer discounts to young drivers who take part in the Pass Plus scheme. This is a training course that gives additional coaching to new drivers.

    The logic is that the better and more confident driver you are, the less likely you are to have an accident and make a claim.

    The course only takes around 6 hours to complete and could drastically cut the cost of young drivers insurance.

    Increase your excess

    Choosing to pay a higher excess the amount you have to pay up front if you make a claim – could significantly lower the cost of young driver insurance.

    However think realistically about whether you could afford to pay that lump sum if you end up needing to make a claim.

    Don t pay for what you don t need

    With a number of different types of car insurance policy out there, it pays to get an idea of what level you require. Don’t pay extra for what you don’t need.

    The minimal level of cover to legally drive in the UK is third party car insurance. This will cover costs in repairs or injuries to any third party affected by an accident you cause. Any costs to your own car however will not be covered.

    With a third party car insurance policy you will also not be compensated if your car is stolen or damaged. If you live in an area where theft and vandalism is common then you might want to consider getting third party, fire and theft cover.

    As with regular third party insurance however, third party fire and theft won’t cover any injury costs or repair costs to your vehicle in the event of an accident.  To get this level of cover, opt for a fully comprehensive insurance policy.

    Take some time to consider what level of cover you need. Also, make sure you compare the whole market as you may be surprised at which level of cover comes out cheapest.

    Add an experienced second driver to the policy

    Adding an experienced and older named driver to the policy is another effective way to bring down the cost. This way the insurer is reassured that the young person will not be the only one driving the car, which reduces the chances of an accident occurring.

    However, be careful of ‘fronting’. The car must be in the name of the main driver of the vehicle, otherwise you are breaking the law and any claims you make will be turned down and your insurance invalidated.

    Don’t pay per month

    It may not be possible for many young drivers to fork out the cost for car insurance in one go, but if this option is open to you, take it, as you could pay less in total by not paying in monthly instalments.

    Telematics/Black box insurance

    If you don’t plan to use your car very often, telematics (or black box insurance as it s also known) could be the right move for you. Black box car insurance counts the miles you’ve driven so that you only pay for what you use.

    A telematics box will be installed in your car and it works much like a pay as you go mobile phone contract as you top up in bundles of miles depending on how much you’re driving.

    The technology measures everything and paints a picture of how safe a driver you are. So if you’re a safe driver and stick well within the speed limits then you could get your hands on cheap young driver insurance.

    Keep in mind however that your circumstances might change and you might find that you have further miles to drive making it more expensive.

    Read more about black box insurance in our guide.

    Make your car secure

    Make your car more secure by adding security features such as an alarm and try to keep it out of harm’s way as much as possible. If you can park your car off the street, or even better in a garage, then you will very likely see the quotes fall in price.

    New drivers insurance

    It is not just young drivers that are faced with sky high premiums, new drivers insurance is similarly expensive. Ultimately, it comes down to the providers taking a risk on your inexperience.

    New drivers of any age are often cited in statistics that show them being more likely to have an accident than their more experienced counterparts.

    This often means that new driver insurance is likely to have the high premiums often associated with car insurance for young drivers.

    You can read our guide to cheap car insurance for new drivers  to learn more.

    Read more…

    • 9 Ways To Get Cheap Car Insurance For Young Drivers Even if you re a young driver there are ways to get a better deal on your car insurance
    • Car Insurance The Basics Do you know the fundamentals of car insurance?
    • Black Box Insurance Black box insurance offers an alternative to traditional car insurance

    Get a car insurance quote

    Compare car insurance I don’t know my registration number



    Cheap Car Insurance for Young Drivers – Young Persons Car Insurance #car #reviews #and #ratings


    #cheapest car insurance for young drivers
    #

    Cheap Car Insurance for Young Drivers in the UK*

    Quinn-direct specialise in offering great rates for young drivers car insurance whilst also providing great benefits with all our policies. If you are looking for cheap car insurance for young drivers* without compromising on the quality of cover, click on ‘Get a Quote Now’ to get a competitive price.

    For young people car insurance can be costly, which is why we offer great value car insurance to suit the needs of those seeking cheap car insurance for young drivers* .

    Why choose Quinn-direct for your car insurance?

    Learner Drivers earn their own No Claims Discount

    Start earning a no claims bonus in your own name by getting your own insurance policy with Quinn-direct. New drivers can build up their valuable no claims discount even before passing their driving test.

    FREE 24 Hour Breakdown Cover Including Home-start

    Quinn-direct breakdown cover provides all customers with 24hr roadside assistance, which includes; home-start, local vehicle recovery and journey completion.

    Direct Debit Instalments – Monthly Payment Plan

    Quinn-direct allows you to spread the cost of your car insurance using our easy monthly payment plan, making your young driver motor insurance even more affordable.

    Audio Cover

    We will cover your car radio for up to £500 or 5% of the vehicle value.

    Loss of keys cover

    Courtesy Car

    Optional Benefits

    With optional extra benefits available, you can customize your cover to ensure you get the right level of cover for you, without paying for the extras you don’t need.

    Optional Legal cover

    Quinn-direct offer optional legal cover which provides up to £50,000 for legal costs to recover uninsured losses. Legal cover also provides a 24 hour legal helpline which gives free confidential advice for any personal legal problem (under EU law).

    Optional windscreen cover

    Get the cover you need for those unavoidable windscreen damages, giving you peace of mind with Quinn-direct windscreen cover. Best of all your no claims bonus won’t be affected.

    So to take the pain out of searching for the best young driver insurance quote with quality cover, simply click on ‘Get a Quote Now’ to see how much you could save with Quinn-direct .

    *The policy must fall within Quinn-direct current risk acceptance criteria and Quinn-direct reserve the right to refuse insurance.



    Medicare vs #chris #i. #young,health #insurance,medicare,medicaid,medicare-bucket-pickplan #[consumer #advice,health insurance,wellness]


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    Medicare vs. Medicare Advantage: How to Choose

    Your budget, medical needs and coverage preferences should be considered when picking a plan. (iStockPhoto)

    Decoding health insurance options can be daunting for people age 65 and over. Those who have paid 10 years of Social Security taxes qualify for Medicare at age 65. They’re automatically signed up if they’re receiving Social Security payments, unless they take steps to opt out. Standard Medicare comes in two parts: A and B. Part A covers a portion of hospitalization expenses. and Part B applies to doctor bills and other medical expenses, such as lab tests and some preventive screenings .

    But some seniors may find better value in Medicare Part C, or Medicare Advantage. Such plans are run by private insurance companies but regulated by the government, and must offer coverage that’s comparable to original Medicare parts A and B. Most also include prescription drug coverage, which is an optional add-on called Part D for seniors who keep original Medicare.

    Some Medicare Advantage plans cost nothing more per month than original Medicare, while others come with a higher monthly premium. (Any additional premium is added to what you would otherwise pay for Medicare Part B – about $105 per month in 2013, which for most people is automatically deducted from their Social Security checks.) Medicare Advantage plans are similar to private insurance that self-employed individuals buy on the open market, in that they have different monthly premiums, copays, coinsurance and out-of-pocket limits. The trade-off for a lower premium (or none) could be higher copays or coinsurance.

    Whether or not a Medicare Advantage plan costs more, it could be better or worse for you than original Medicare. Consumers have to carefully review the details of each plan and make a clear-eyed appraisal of their circumstances, including their health, budget and tolerance for financial risk.

    You May Want to Get Medicare Advantage Instead of Original Medicare If.

    • You take prescription drugs. As stated, original Medicare doesn’t cover prescriptions unless you pay extra to add Part D coverage. (The average monthly cost of Part D was $40 in 2013.) By contrast, about 82 percent of Medicare Advantage plans include drug coverage, according to the Kaiser Family Foundation, a nonprofit, nonpartisan research institute. In some cases your monthly premium will exceed the amount you’d pay for part D. The federal government. and brokers like PlanPrescriber.com. have online tools where you can check how much you’ll pay for the drugs you need. (U.S. News has a revenue-generating agreement with eHealthInsurance, which owns PlanPrescriber.com.)
    • You want a cap on your out-of-pocket health spending. Original Medicare has no out-of-pocket maximum. You keep paying a portion of the cost of services as you use them. Medicare Advantage plans, by law, have an out-of-pocket maximum of no more than $6,700 per year. Once you hit that limit, the plan pays for all covered expenses. In 2013, 48 percent of Medicare Advantage plans had a $3,400 cap or less, according to the Kaiser Foundation. Keep in mind you might not hit that cap: Average out-of-pocket Medicare spending was $2,536 in 2006, or about $3,000 in today’s dollars, according to a recent analysis by Kaiser.
    • You want an alternative to enhancing your Medicare coverage with private “Medigap” (Medicare Supplement) insurance. Medigap plans cover or help cover certain deductibles, coinsurance and out-of-pocket costs of original Medicare. Some Medicare Advantage plans, but certainly not all, will be more cost-effective than adding Medigap coverage to original Medicare. Scrutinize the plan details if this is your reason for considering Medicare Advantage.
    • You want an alternative to the 20-percent coinsurance charged by original Medicare for most services. Medicare Advantage plans structure costs differently and may offer a lower (or higher) coinsurance, or may charge copays instead – which are fixed costs you pay for services. A trade-off could be a higher monthly premium.
    • You want coverage for vision, dental, assisted living facilities or nursing home care. Original Medicare doesn’t cover these services. Certain Medicare Advantage plans do.
    • You want the broadest possible choice in doctors and other medical providers. More doctors and other providers accept original Medicare than private Medicare Advantage insurance. Private plans tend to be restricted to a home network, like an HMO doctor network. If you travel frequently, you may want to consider staying with original Medicare for this reason.
    • You can’t afford or don’t want to pay additional monthly premiums. Medicare Advantage plans, like other private health plans, typically charge premiums. The recent average was about $30 a month for an HMO and $32 to $63 for a PPO, according to the Kaiser Foundation. Again, these premiums don’t include your Part B premium – about $105 per month in 2013 (or higher if you are high-income).
    • You want maximum flexibility when seeking medical specialists. Under original Medicare, you don’t need prior authorization from a primary care doctor to see a specialist, whereas Medicare Advantage plans that are designated HMOs could require you to see a primary care doctor first. PPO plans would allow you to see a specialist without a referral, but seeing an out-of-network doctor or specialist would cost you more. Most Medicare Advantage plans are either HMOs or PPOs.
    • You’re still employed and covered by your employer. You might end up paying an unnecessary premium for Medicare Advantage or could lose your employer-provided coverage. Check with your human resources department and the Social Security Administration for specifics.
    • You have employer-sponsored retiree health benefits that supplement original Medicare. These benefits wouldn’t help with Medicare Advantage, so check with your human resources department before signing on a Medicare Advantage plan.
    • You qualify for Medicaid or a Medicare Savings Program. Low-income Medicare beneficiaries have other options and should contact their state Medicaid office.
  • More than 8 in 10 saw a doctor, with a median six visits per patient in a year.
  • One in 5 were hospitalized that year.
  • Three in 10 went to the emergency room at least once.
  • Less than 1 in 10 (8 percent) used home health services. The median number of visits was 17.

    If you decide to buy a Medicare Advantage plan, you must enroll between Oct. 15 and Dec. 7 – the period known as open enrollment – in order for your coverage to start the first of the following year. (Original Medicare has separate enrollment periods for seniors who aren’t automatically enrolled.) Because of government regulation, Medicare Advantage premiums are not influenced by age, health status or the method by which a consumer signs up (through an insurance agent, for example, or directly through an insurer). Monthly cost – and plan availability – varies from county to county. For 2013, the average person had about 20 plans to choose from, according to the Kaiser Family Foundation.

    Select Resources on Medicare and Medicare Advantage

  • Medicare Advantage plans are rated by the federal government on a scale from one to five stars based on the quality and accessibility of care, consumer satisfaction surveys and other measures. Plans are given bonus government funding if they earn three or more stars. The star ratings are the only national, official grading system for Medicare Advantage plans.
  • Guide to Medicare by the Kaiser Family Foundation. Kaiser is a nonprofit, nonpartisan research organization that focuses on health care issues.
  • SHIP counselors are State Health Insurance Assistance Program workers who offer free information on local health care options.
  • 800-MEDICARE is the government’s official 24-hour help line.
  • PlanPrescriber.com. a private broker that has a business agreement with U.S. News, offers numerous Medicare Advantage plans through its website and call center (888-245-4509).

    Updated on Oct. 15, 2014: This article was originally published on Dec. 4, 2012 ​and has been updated to reflect policy changes.



  • Young Drivers Insurance at Internet rates #used #car #search


    #cheap car insurance for young drivers
    #

    The fact is that insurance companies see younger drivers as a greater risk, and statistics do indeed show that not only are young drivers involved in more accidents than older drivers, but their vehicles are more likely to be vandalised or stolen too. The most risky period is within two years of passing a driving test, and it is not unusual for premiums to actually increase after a learner driver has thrown away the L plates, because this means that he or she will now be free to drive without qualified supervision, and on motorways, where even a small error can lead to catastrophic consequences. Insurance premiums can therefore be extremely heavy for those aged under 25 without a great deal of driving experience, but nevertheless there are ways of cutting these down considerably! Here are a few tips on how to cut those premiums: –

    Fight off the urge to buy yourself a shiny, fast sports car! Not only will the insurance cost you a fortune but you may well struggle to find cover at all. Instead, buy a vehicle in the lowest possible insurance group with the smallest engine; you can always upgrade to a classier set of wheels when you are a little older.

  • Don t buy an expensive car at this stage, but go for something cheap and cheerful subject to it being in good mechanical condition. A few minor dents here and there may make it a cheaper buy, and if it collects one or two more it won t be such a disaster! Insure it for third party only, or third-party fire and theft if you can afford it.
  • Try not to allow any claims to be made against your insurance policy unless it is absolutely necessary. If you drive into the back of a friend s car it may be a lot cheaper in the long run to pay for the damage out of your own pocket than make a claim and watch your premiums spiral out of sight.
  • See if your insurer will give you a substantial reduction in premium if you accept a larger voluntary policy excess, ie the amount that you will pay out of your own pocket towards any claim. Sometimes offering to pay a little more than the standard £50 or £100 excess can lead to a much reduced quotation.
  • Do not, under any circumstances, risk driving without insurance, at an excessive speed, in a dangerous manner, or with any alcohol or drugs in your system! You may feel that the fine and penalty points (or ban) would be punishment enough but the increase in premium, if you were able to get insurance at all, could be eye watering.
  • If, and only if, you intend to drive your parents car occasionally you may be able to be included on their insurance policy as a named driver. You have to be very careful with this however, since if you were in fact the main driver of that vehicle you could be committing a criminal offence and the insurance company could refuse to pay out in the event of an accident.
    • Finally, use a top price comparison engine to find the lowest price. Tesco check a large number of different companies in about the same time it takes to get a single quote and the difference between the highest and lowest prices can be quite staggering.



    Young Drivers Car Insurance Ireland #car #valuations


    #cheap car insurance for young drivers
    #

    learner permit: aged 17+ | full licence: aged 17+

    Will fire & theft claims affect my no claims bonus?

    Standard Cover Policy

    Available to all full licence holders, and to learner permit holders aged 17+. We offer benefits including 75% no claims discount, no excess on windscreen or fire and theft, and even 10% discount online!

    Why choose AXA?

    All you need is a smartphone!

    Get 20% discount off your AXA premium just for using our FREE smartphone app. Suitable for 17-24 year olds.

    Heading to college?

    Are you a full time student aged under 26? You could save 20% in year one with AXA. You must be aged under 26 (at the time of purchase).You must be a full time student in a recognised third level institution. You must hold a valid student card.

    Special offers from ISM

    Learn to Drive with ISM, Save up to €400 off your car insurance when you take 12 driving lessons with ISM, or take a test drive with ISM and save up to 20% on your car insurance.

    Keep on saving with AXA!

    We have many options which you can avail of to reduce your premium. Have a look at our ways to save, and you could save even more on your car insurance!

    Get covered for less!

    Talk to us about your insurance on the phone or in one of our 42 branches today! Alternatively, get your quote online for an additional 10% discount! Minimum premium of €327. New customers only.

    Helpful tips and tricks

    New to the road or unsure about your driving skills. Let us help you with some tips to getting out there on the road. Safer drivers save money.

    AXA Plus Loyalty Programme



    Cheap Young Drivers Car Insurance Ireland #muscle #cars #for #sale


    #cheapest car insurance for young drivers
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    Young Driver Car Insurance Ireland

    We search for the best possible car insurance deals for young drivers in Ireland.

    It is quite a challenge to get cheap car insurance for young drivers in Ireland. The good news is that you have come to the right place. Our online quotation system will quickly and accurately give you guaranteed quotations from all insurance companies operating in Ireland that are underwriting young drivers car insurance policies.

    Click the button

    Young Drivers in Ireland are generally classed as all those under the age of 25. The cost of car insurance for young drivers can be very expensive. This is because a young driver is three times more likely to crash, one in five young drivers will be involved in a road traffic accident during the first year of insurance and young drivers are more likely to cause injury to their passengers. Consequently, the cost of car insurance for young drivers is significantly more than that of more experienced or older drivers.

    Use our quote engine as we will quote you for over 19 insurers showing you both third party fire theft and comprehensive options.

    • Simple Payment System With Easy Direct Debit Options Staff Available To Chat Online
    • Simple New Online Quote System Quotes from 19 Insurance Companies
    • 24 Hour Breakdown Assistance Windscreen Cover

    We think you will find the quotes very competitive as we have specially tailored rates for young drivers both male female between 17 – 24.

    Give it a go now and see what all the excitement is about.



    Auto Insurance for Young Drivers. #use #cars


    #cheap car insurance for young drivers
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    Auto Insurance for Young Drivers

    Getting affordable coverage for a young driver will likely be difficult to do, but the more insurance companies you get quotes from, the more likely you are to find the best deal. Teenagers and other younger motorists usually cost more to insure because their lack of experience and their relatively high crash rates mean they may be more likely to get into an accident and file a claim.

    Crash statistics for young drivers

    The statistics show that younger drivers are more at risk of being injured in a car accident than older drivers. According to national crash data for 2010. 16- to 24-year-olds were injured in car accidents at nearly twice the rate of Americans that were 25 years old and older.

    Younger drivers make up only about 14 percent of the American population, but they account for about 29 percent of the nation’s motor vehicle injury costs, according to the Centers for Disease Control and Prevention .

    The CDC also notes that “Per mile driven, teen drivers ages 16 to 19 are three times more likely than drivers aged 20 and older to be in a fatal crash.”

    There are many reasons why teens are more at risk than other drivers. The following are some of the biggest factors outlined by the CDC and the National Highway Traffic Safety Association:

    • They are more likely to underestimate dangerous situations.
    • They are more likely to not recognize hazardous situations.
    • They have the lowest rate of seat belt use.
    • They have a greater risk of getting into a crash than older drivers if they have any level of blood alcohol concentration (BAC).
    • They are more likely to speed and leave less distance between them and the car in front of them.
    • They are among the groups most likely to text and talk on a cell phone behind the wheel.

    How to keep costs low

    Just as in any other insurance shopping situation, the best ways to keep insurance costs low for younger drivers are to shop around, to take advantage of as many discounts as possible, and to keep a clean driving record. Some insurers may be more welcoming of teen drivers and may provide affordable rates, so you’ll have to shop around and find which ones offer the best deals. When you do find one, make sure to ask about discounts for being a good student or taking a driver safety course to see if you qualify. Once you’re on the road, make sure to steer clear of accidents and traffic violations in order to preserve your clean record.

    Another thing you can do is choose a car for you or your teen that has relatively low insurance costs. Getting a sportier, more expensive car may leave you or your teen paying higher premiums, while buying a low-key, mid-priced model that has good crash and safety ratings may lower the cost of coverage. You can always get quotes for different vehicles before heading to the dealership to decide on a car.



    Young Drivers Insurance #used #cars #in


    #cheap car insurance for young drivers
    #

    You are here

    Cheaper car insurance for young drivers

    You’re a young driver, you’ve passed your test, you can’t wait to get out on the road. But you need to get young drivers car insurance first – and how much is it going to cost? As a young driver you must be wondering where the best place is to get cheaper car insurance for first time drivers.

    It is an unfortunate fact that younger drivers have considerably more accidents – especially serious ones – than more experienced drivers. In fact 20% of serious accidents on the road involve young drivers (source ). This means that car insurance quotes for young drivers tend to be much higher – because the probability of having to pay out lots of money following an accident is higher.

    So where can you find cheaper car insurance policies? Where can you get a great price for young drivers insurance? Well insurethebox is a good place to start.

    With insurethebox, you are given the chance to prove that you are a safe driver. We’re a better value option for many young drivers, with customers aged 25 and under saving an average £517* when they choose insurethebox.

    17 year-old Kyle from Glasgow was shocked that car insurance could be so expensive for young drivers. The highest quote he received by searching online was £4,400 – almost £3000 more expensive than the policy he decided to buy from insurethebox.

    “When I first started driving I was a bit nervous about the black box, but I quickly got used to it. It’s not fair that so many young people set a bad reputation for other young drivers by driving badly. But black box car insurance from companies like insurethebox helps bring the cost right down, making it cheaper for us to be on the road, while keeping an eye on our driving”.

    With telematics technology, you are rewarded for good driving. You can earn up to 100 Bonus Miles a month, and could get a great value car insurance price at renewal.



    News and guides – How to get the best from young drivers’ insurance #car #finance #calculator


    #car insurance for young drivers
    #

    How to get the best from young drivers’ insurance

    You just can t beat the feeling of freedom you get from having your own set of wheels – but finding cheap car insurance for young drivers isn t easy.

    It can be frustrating, but don t be surprised if your annual premium costs more than your car. That s because it isn t just based on your car s value, but also on things like how you drive and your driving experience. The harsh truth is that young drivers don t have much experience, so they re more likely to crash and cause injury, which leads to expensive claims and generally higher premiums.

    It is, of course, important to make sure you have the right cover so there won t be any nasty surprises if you need to make a claim. And there are some things you can do to reduce your premium in your first years of driving. Here are some suggestions:

    Prove you re a safe driver

    Before you even pass, you can start to build up your own no claim discount by becoming a named driver. Aviva offer an introductory named driver discount if you ve driven claim-free on someone else s Aviva policy, so it s worth mentioning this if you get a quote.

    Put your driving to the test through app-based technology, which gives evidence of your good driving habits to insurers. Our free Aviva Drive app monitors your driving over 200 miles and awards the safest drivers a discount off their car insurance. Safer drivers, who scored 7.1 plus on our Aviva Drive app, saved an average of 112 on their Aviva comprehensive car insurance a saving achieved by 37% of them*. You can even collect driving skills badges along the way and share them on Facebook and Twitter.

    Get a multi-car quote

    If you live with your parents, a multi-car policy could be a good way for the family to save money. That s because the car with the lowest premium will get a discount. With Aviva MultiCar. for example, you could save up to 1/3 by insuring a second car or van (we expect 20% of our customers to achieve the maximum saving of 1/3**).

    Each vehicle s no claim discount (NCD) is kept separately, so you can build up your own NCD. If a claim is made on one vehicle, the NCD on the other isn t affected. If you re studying away from home and need student car insurance you can still benefit as long as the vehicles are registered at the same address. Find out more in this short video .

    Adding other drivers

    If anyone else is going to use your car, you can add them as a named driver so they have the same level of cover as you. It s worth thinking about who you add because insurers will take their risk into consideration and reflect it in your premium. Adding someone older with a clean licence could lower your premium, but anyone with points could increase it.

    It s important to make sure that if you are the main driver of the car, the insurance is in your name and you re not just a named driver, or this is called fronting . Fronting has serious financial and legal implications. If detected, a claim could be rejected which would mean that the young driver will be treated as being uninsured and the costs could be recovered from both the driver and the policyholder. So, if you re a student and have a car at university, make sure you re listed as the main driver.

    Carefully consider the questions in your quote

    It s really important to answer all questions accurately when you get a quote for young drivers car insurance, but think carefully about the answers as they could affect your premium:

    – Usage what you use your car for affects the amount you pay. If you have a part-time or full-time job you ll need to tell your insurer if you use your car to commute to your place of work. If you re a student, you re likely to drive mostly for social reasons so, if that s the case, say so as it could lower your premium.

    – Mileage if you re only going to use your car for short trips, you can cap the mileage on your policy to reduce your premium. This means stating the maximum mileage you think you ll drive in a year e.g. 6,000/year – but make sure it s accurate or you could invalidate your insurance.

    – Parking keeping your car on your driveway or in a garage will reduce the risk of it being stolen or damaged and could reduce your premium.

    – Excess – an excess is the amount you pay towards any claim you make. Most insurers have a minimum excess chargeable for young drivers. You can reduce your premium by increasing your excess, but make sure you ve calculated the total amount you d have to pay in the event of a claim so you know you can afford it. For more information on policy excess, watch this video .

    Check you have the right cover

    Although finding a low premium is important, make sure you know what you re buying so you have the right cover if you need to make a claim. Look out for independent ratings, such as Defaqto. and check Aviva who share genuine customer reviews. provided by customers who ve made a claim or bought car insurance.

    Think carefully about your car and the cover you need

    Your first car is unlikely to be a high-performance sports car, which is good news as smaller, less powerful cars generally have lower premiums.

    When buying your car, look for any vehicle modifications such as body kits, alloy wheels and even audio equipment that weren t made by the manufacturers as they can increase your premium. You ll need to tell your insurer of all the modifications that have been made when you take out an insurance policy. Also think about its running expenses such as road tax, servicing, the MOT, fuel consumption and even the finance to buy it.

    The next thing to think about is whether you need comprehensive or a more basic third party, fire and theft cover. Third party, fire and theft may be a cheaper option, but it won t cover damage to your car if you have an accident; it will only cover damage you cause to other vehicles, persons or property in an accident, plus damage to your car caused by fire or theft.

    Driving comes with many responsibilities and one of those is car insurance. Never be tempted to drive without insurance not only will your future insurance premiums be more expensive but it s illegal and could result in a heavy fine, enough penalty points for an instant ban, your vehicle being seized by the police, getting a bad credit rating, reducing your employment prospects and worse of all prison, if you kill somebody whilst driving uninsured (even if it s not your fault).

    Keeping safe at the wheel

    According to the Royal Society for the Prevention of Accidents (RoSPA)^, 17-20 year old male drivers are almost 10 times more likely to be killed or injured than more experienced drivers. As a young driver, there s a lot you can do to keep safe at the wheel while you increase your driving experience. Here are some tips:

    Think about when you drive. The early hours of the morning are the most risky time for young drivers.

    – Always wear a seat belt and never drive under the influence of drink or drugs you d be breaking the law and putting yourself and others in danger.

    – Never assume that country roads are safe because they re quieter. Take care around sharp bends as it s easy to lose control.

    – Drive more slowly and allow longer stopping distances in wet or icy conditions.

    – Don t get distracted when driving hands-free phones, music, food and drink, smoking and friends chatter can be dangerous as they take your focus from the road.

    – Driving safely also has financial benefits. Accelerating, braking and steering smoothly will be more fuel efficient and cause less wear and tear on your car, which means a better deal for your pocket.

    – Never leave valuables on show in your car it could result in an avoidable break in and claim.

    – Consider using a P plate to warn other road users that you are an inexperienced driver.

    Useful sites

    Here are some sites that will help you build your confidence and drive more safely during your first few months and years on the road:

    Enjoy your new-found freedom

    Once you ve got your first car and found the best young driver insurance for you, drive safely and enjoy your new-found freedom!

    * Based on policies bought direct from Aviva between 1 August 2014 and 31 July 2015. Discount is available on first car per policy and depends on score and price – minimum 200. Discount does not apply to optional extras. Data charges may apply.

    ** Up to 1/3 off applied to the cheaper of the two vehicle insurance prices. Discount does not apply to optional extras. Maximum 1/3 discount available on policies with either one driver, or two drivers who are domestic partners using their vehicles only for social domestic and pleasure.

    ^ Data correct as of June 2014



    Young drivers – 1st CENTRAL #2nd #hand #cars


    #car insurance for young drivers
    #

    Young driver car insurance

    The nuts and bolts

    Young drivers typically pay more for car insurance than any other group, leaving them in the words of Liverpool striker Mario Balotelli asking Why me?

    But before we go about trying to answer that question, let s look at the extent of the challenge facing new motorists taking out young driver insurance.

    How much?

    The average cost of comprehensive motor insurance in the UK is 579 this is according to the latest Towers Watson industry cost index.

    The figure actually shows a fall of 15% compared with the second quarter of 2013. Experts partly attribute this to new restrictions on claims management firms, as well as clampdowns on fraud.

    In fact, drivers aged 17 and 18 have actually enjoyed the biggest reductions, at 32% and 29% respectively.

    But despite this, young drivers typically pay more for their car insurance, as the following industry-wide table suggests:

    Average yearly insurance premium



    LittleBox – black box car insurance for young drivers #car #id


    #car insurance for young drivers
    #

    How to get LittleBox

    One of the main obstacles preventing newly qualified motorists taking advantage of their licence is the high cost of young drivers insurance. Young drivers car insurance can often cost thousands of pounds each year, making it difficult for the majority of these motorists to run their own vehicle.

    Admiral LittleBox is aimed at helping lower the cost of young drivers insurance premiums and allowing them to demonstrate their ability behind the wheel. Instead of being branded as reckless drivers because of the actions of other youths and their high claim rates, Littlebox gives you the opportunity to be treated as an individual.

    Why is young drivers’ insurance so expensive?

    Young drivers are seen by many car insurance companies and fellow motorists as being one of the greatest causes of accidents on the road.

    Research by the Association of British Insurers has demonstrated this point, finding that 18 year-old drivers are three times more likely to be involved in an accident than their 48 year-old counterparts (source: ABI 31/10/2012). However, LittleBox by Admiral allows motorists to stand out from the statistics and receive the young drivers insurance policy they deserve.

    Benefits of Admiral LittleBox

    Obviously the main advantage of LittleBox is helping motorists overcome the high premiums associated with young drivers car insurance.

    We will cover the cost of having the device fitted to your car as well as immediately giving you a discount on your young drivers car insurance.

    LittleBox young drivers insurance provides a courtesy car while yours is repaired at one of our approved repairers if you take out a comprehensive policy.

    Additionally, Littlebox offers inclusive National Plus Breakdown cover and Theft Tracking in the event of your vehicle being stolen – to keep you worry-free when on the road.



    What are the Cheapest Cars for Young Drivers? #cheap #second #hand #cars


    #cheapest car insurance for young drivers
    #

    What are the cheapest cars for young drivers?

    Kevin Pratt. Jun 03 2013 at 1:59 pm

    It’s never been so difficult to be a young or newly-qualified driver. There’s rocketing fuel prices, tax, hefty running costs and, of course, steep car insurance premiums.

    With this in mind, it’s absolutely imperative to do your research before you buy a car. Fuel economy, road tax grouping and the car’s insurance group are vital considerations that will influence your decision.

    Together with DriversEdgeUK. we’ve looked at the total monthly and annual running costs of 10 of the cheapest cars for young drivers. We’ve found that the Seat Mii is the cheapest new car when it comes to monthly expenditure, with the average 18-year-old motorist facing a monthly bill of £346.63.

    This covers the monthly purchase repayment, car insurance, fuel and road tax. The Mii comes highly recommended, having beaten off tough competition to win the 2012 MoneySupermarket Car of the Year title.

    But what if you prefer two wheels rather than four? You could be onto a better deal financially, as the monthly cost of owning a motorbike is significantly less than for a car for young drivers. We found that a Honda CBR would cost the average 18-year-old driver just £224.10 per month.

    Save time and money on your car insurance



    News and guides – How to get the best from young drivers’ insurance #scrap #car #prices


    #car insurance for young drivers
    #

    How to get the best from young drivers’ insurance

    You just can t beat the feeling of freedom you get from having your own set of wheels – but finding cheap car insurance for young drivers isn t easy.

    It can be frustrating, but don t be surprised if your annual premium costs more than your car. That s because it isn t just based on your car s value, but also on things like how you drive and your driving experience. The harsh truth is that young drivers don t have much experience, so they re more likely to crash and cause injury, which leads to expensive claims and generally higher premiums.

    It is, of course, important to make sure you have the right cover so there won t be any nasty surprises if you need to make a claim. And there are some things you can do to reduce your premium in your first years of driving. Here are some suggestions:

    Prove you re a safe driver

    Before you even pass, you can start to build up your own no claim discount by becoming a named driver. Aviva offer an introductory named driver discount if you ve driven claim-free on someone else s Aviva policy, so it s worth mentioning this if you get a quote.

    Put your driving to the test through app-based technology, which gives evidence of your good driving habits to insurers. Our free Aviva Drive app monitors your driving over 200 miles and awards the safest drivers a discount off their car insurance. Safer drivers, who scored 7.1 plus on our Aviva Drive app, saved an average of 112 on their Aviva comprehensive car insurance a saving achieved by 37% of them*. You can even collect driving skills badges along the way and share them on Facebook and Twitter.

    Get a multi-car quote

    If you live with your parents, a multi-car policy could be a good way for the family to save money. That s because the car with the lowest premium will get a discount. With Aviva MultiCar. for example, you could save up to 1/3 by insuring a second car or van (we expect 20% of our customers to achieve the maximum saving of 1/3**).

    Each vehicle s no claim discount (NCD) is kept separately, so you can build up your own NCD. If a claim is made on one vehicle, the NCD on the other isn t affected. If you re studying away from home and need student car insurance you can still benefit as long as the vehicles are registered at the same address. Find out more in this short video .

    Adding other drivers

    If anyone else is going to use your car, you can add them as a named driver so they have the same level of cover as you. It s worth thinking about who you add because insurers will take their risk into consideration and reflect it in your premium. Adding someone older with a clean licence could lower your premium, but anyone with points could increase it.

    It s important to make sure that if you are the main driver of the car, the insurance is in your name and you re not just a named driver, or this is called fronting . Fronting has serious financial and legal implications. If detected, a claim could be rejected which would mean that the young driver will be treated as being uninsured and the costs could be recovered from both the driver and the policyholder. So, if you re a student and have a car at university, make sure you re listed as the main driver.

    Carefully consider the questions in your quote

    It s really important to answer all questions accurately when you get a quote for young drivers car insurance, but think carefully about the answers as they could affect your premium:

    – Usage what you use your car for affects the amount you pay. If you have a part-time or full-time job you ll need to tell your insurer if you use your car to commute to your place of work. If you re a student, you re likely to drive mostly for social reasons so, if that s the case, say so as it could lower your premium.

    – Mileage if you re only going to use your car for short trips, you can cap the mileage on your policy to reduce your premium. This means stating the maximum mileage you think you ll drive in a year e.g. 6,000/year – but make sure it s accurate or you could invalidate your insurance.

    – Parking keeping your car on your driveway or in a garage will reduce the risk of it being stolen or damaged and could reduce your premium.

    – Excess – an excess is the amount you pay towards any claim you make. Most insurers have a minimum excess chargeable for young drivers. You can reduce your premium by increasing your excess, but make sure you ve calculated the total amount you d have to pay in the event of a claim so you know you can afford it. For more information on policy excess, watch this video .

    Check you have the right cover

    Although finding a low premium is important, make sure you know what you re buying so you have the right cover if you need to make a claim. Look out for independent ratings, such as Defaqto. and check Aviva who share genuine customer reviews. provided by customers who ve made a claim or bought car insurance.

    Think carefully about your car and the cover you need

    Your first car is unlikely to be a high-performance sports car, which is good news as smaller, less powerful cars generally have lower premiums.

    When buying your car, look for any vehicle modifications such as body kits, alloy wheels and even audio equipment that weren t made by the manufacturers as they can increase your premium. You ll need to tell your insurer of all the modifications that have been made when you take out an insurance policy. Also think about its running expenses such as road tax, servicing, the MOT, fuel consumption and even the finance to buy it.

    The next thing to think about is whether you need comprehensive or a more basic third party, fire and theft cover. Third party, fire and theft may be a cheaper option, but it won t cover damage to your car if you have an accident; it will only cover damage you cause to other vehicles, persons or property in an accident, plus damage to your car caused by fire or theft.

    Driving comes with many responsibilities and one of those is car insurance. Never be tempted to drive without insurance not only will your future insurance premiums be more expensive but it s illegal and could result in a heavy fine, enough penalty points for an instant ban, your vehicle being seized by the police, getting a bad credit rating, reducing your employment prospects and worse of all prison, if you kill somebody whilst driving uninsured (even if it s not your fault).

    Keeping safe at the wheel

    According to the Royal Society for the Prevention of Accidents (RoSPA)^, 17-20 year old male drivers are almost 10 times more likely to be killed or injured than more experienced drivers. As a young driver, there s a lot you can do to keep safe at the wheel while you increase your driving experience. Here are some tips:

    Think about when you drive. The early hours of the morning are the most risky time for young drivers.

    – Always wear a seat belt and never drive under the influence of drink or drugs you d be breaking the law and putting yourself and others in danger.

    – Never assume that country roads are safe because they re quieter. Take care around sharp bends as it s easy to lose control.

    – Drive more slowly and allow longer stopping distances in wet or icy conditions.

    – Don t get distracted when driving hands-free phones, music, food and drink, smoking and friends chatter can be dangerous as they take your focus from the road.

    – Driving safely also has financial benefits. Accelerating, braking and steering smoothly will be more fuel efficient and cause less wear and tear on your car, which means a better deal for your pocket.

    – Never leave valuables on show in your car it could result in an avoidable break in and claim.

    – Consider using a P plate to warn other road users that you are an inexperienced driver.

    Useful sites

    Here are some sites that will help you build your confidence and drive more safely during your first few months and years on the road:

    Enjoy your new-found freedom

    Once you ve got your first car and found the best young driver insurance for you, drive safely and enjoy your new-found freedom!

    * Based on policies bought direct from Aviva between 1 August 2014 and 31 July 2015. Discount is available on first car per policy and depends on score and price – minimum 200. Discount does not apply to optional extras. Data charges may apply.

    ** Up to 1/3 off applied to the cheaper of the two vehicle insurance prices. Discount does not apply to optional extras. Maximum 1/3 discount available on policies with either one driver, or two drivers who are domestic partners using their vehicles only for social domestic and pleasure.

    ^ Data correct as of June 2014



    LittleBox – black box car insurance for young drivers #car #radios


    #car insurance for young drivers
    #

    How to get LittleBox

    One of the main obstacles preventing newly qualified motorists taking advantage of their licence is the high cost of young drivers insurance. Young drivers car insurance can often cost thousands of pounds each year, making it difficult for the majority of these motorists to run their own vehicle.

    Admiral LittleBox is aimed at helping lower the cost of young drivers insurance premiums and allowing them to demonstrate their ability behind the wheel. Instead of being branded as reckless drivers because of the actions of other youths and their high claim rates, Littlebox gives you the opportunity to be treated as an individual.

    Why is young drivers’ insurance so expensive?

    Young drivers are seen by many car insurance companies and fellow motorists as being one of the greatest causes of accidents on the road.

    Research by the Association of British Insurers has demonstrated this point, finding that 18 year-old drivers are three times more likely to be involved in an accident than their 48 year-old counterparts (source: ABI 31/10/2012). However, LittleBox by Admiral allows motorists to stand out from the statistics and receive the young drivers insurance policy they deserve.

    Benefits of Admiral LittleBox

    Obviously the main advantage of LittleBox is helping motorists overcome the high premiums associated with young drivers car insurance.

    We will cover the cost of having the device fitted to your car as well as immediately giving you a discount on your young drivers car insurance.

    LittleBox young drivers insurance provides a courtesy car while yours is repaired at one of our approved repairers if you take out a comprehensive policy.

    Additionally, Littlebox offers inclusive National Plus Breakdown cover and Theft Tracking in the event of your vehicle being stolen – to keep you worry-free when on the road.



    Finding the cheapest car insurance for young drivers – Captain Compare #used #car #website


    #cheap car insurance for young drivers
    #

    Car insurance for young drivers – finding the cheapest cover

    However, there are a number of other ways car insurance for young drivers can be made more affordable.

    Captain Compare is a brand, trading name and website owned by Auto & General Services Pty Ltd (ABN 61 003 617 909, AFSL 241 411).

    Only those providers who have chosen to participate are compared on this site. This site compares the following car insurance brands: Australia Post Car Insurance, Budget Direct, ibuyeco, Virgin Car Insurance, Cashback, 1st for Women, Retirease, Ozicare, AI Insurance and Real Insurance. All car insurance brands other than AI Insurance and Real Insurance (“Auto & General Car Brands”) are policies arranged by Auto & General Services Pty Ltd, for and on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353, AFSL 285 571) (“Auto & General”), which is a related company.

    If you purchase the Auto & General Car Brands, we will earn commission from Auto & General. If you decide to purchase car insurance from another provider using a link on this site, you will be taken to that provider’s website to make your application. If you decide to use the telephone contact details to purchase car insurance from another provider, you will do so via that provider’s call centre. We earn a referral fee for any policy purchased as a result of the use of the comparison service. Details of our commission and referral fees can be found in our Financial Service Guide .

    The comparison service and any other information provided on this site is factual information or general advice. None of it is a personal recommendation, suggestion or advice about the suitability of a particular insurance product for you and your needs. Before acting on the guidance we provide and when using the comparison service, evaluate your needs, objectives and situation and which products are suitable for you. Review the relevant Product Disclosure Statement before making any decision to acquire or hold car insurance.

    Vehicle information has been provided by Red Book (refer Website Terms and Conditions )



    Young drivers #car #hire #italy


    #car insurance for young drivers
    #

    Young drivers

    Car insurance for young drivers

    Just got your Ls or your Ps? About to buy your first car?

    There are lots of things you need to do before you hit the streets. You need to set up a budget so you know exactly what it costs to run a car. You need to find a car that matches your personality and your needs. And you need to think hard about insurance.

    Drivers under 25

    Smart tip

    Buying a car, getting a loan and paying for insurance are three separate things. Always shop around. You might be better off getting each of these services from three different places.

    The cost of insurance is determined by the level of risk your insurer is taking on. As more young drivers are involved in accidents than older drivers, most insurance companies charge a higher premium for drivers under 25.

    Young drivers may also have to pay an additional ‘age excess’ when making a claim. Always check your policy carefully to see what excesses might apply.

    If your parents are letting you use the family car, they will have to pay extra to insure you and the car. It’s important that they inform their insurer when you start driving. Otherwise, the insurer might not pay for damage if you have an accident.

    The table below shows the coverage offered by different types of insurance.



    Young Drivers Insurance #bad #credit #car #loans


    #cheap car insurance for young drivers
    #

    You are here

    Cheaper car insurance for young drivers

    You’re a young driver, you’ve passed your test, you can’t wait to get out on the road. But you need to get young drivers car insurance first – and how much is it going to cost? As a young driver you must be wondering where the best place is to get cheaper car insurance for first time drivers.

    It is an unfortunate fact that younger drivers have considerably more accidents – especially serious ones – than more experienced drivers. In fact 20% of serious accidents on the road involve young drivers (source ). This means that car insurance quotes for young drivers tend to be much higher – because the probability of having to pay out lots of money following an accident is higher.

    So where can you find cheaper car insurance policies? Where can you get a great price for young drivers insurance? Well insurethebox is a good place to start.

    With insurethebox, you are given the chance to prove that you are a safe driver. We’re a better value option for many young drivers, with customers aged 25 and under saving an average £517* when they choose insurethebox.

    17 year-old Kyle from Glasgow was shocked that car insurance could be so expensive for young drivers. The highest quote he received by searching online was £4,400 – almost £3000 more expensive than the policy he decided to buy from insurethebox.

    “When I first started driving I was a bit nervous about the black box, but I quickly got used to it. It’s not fair that so many young people set a bad reputation for other young drivers by driving badly. But black box car insurance from companies like insurethebox helps bring the cost right down, making it cheaper for us to be on the road, while keeping an eye on our driving”.

    With telematics technology, you are rewarded for good driving. You can earn up to 100 Bonus Miles a month, and could get a great value car insurance price at renewal.



    Young Driver Insurance #temp #car #insurance


    #car insurance for young drivers
    #

    From iKube Insurance

    Car Insurance For Young Drivers

    For the newly qualified driver, you’ve passed your test; you’ve got your car, but the young driver insurance premiums are just too expensive. That’s where iKube can help!

    We can offer 17 – 25 year old young drivers a discounted car insurance package for those who stay off the road between the hours of 11pm – 5am. Research has indicated that young drivers are statistically at a higher risk of being involved in a serious road accident after 11pm.

    As long as you stay off the road between these “high risk” hours then you are seen as less of a risk. You are therefore eligible for a safe driving discount on your young drivers’ car insurance.

    • Fully comprehensive young driver insurance cover or third party fire theft cover.
    • Save up to 25%* with our safe driving discount
    • Additional discounts for Pass Plus – up to 10%**
    • iKube does not charge you by the mile.

    Interested? Give us a call or request a quote today:

    75% of young drivers already on board with iKube are offered a good driving discount in Year 2 (based on data collected by the ‘iKube black box’). 1 in 3, of these, will also have their night time driving restriction removed – allowing them to drive any time, day of night without any red hour charges.

    *Providing your driving test is not passed within the first 42 days of inception of the policy. Other concurrent changes such as change of vehicle or address may affect the premium.

    **Providing that they don’t have any claims, convictions or accidents in the last 5 years, we’ll add them on for free. All drivers must meet iKube’s underwriting criteria.



    Compare Young Driver Insurance Quotes NI #used #cars #for #sales


    #cheap car insurance for young drivers
    #

    Generic

    Young Drivers USP

    Get a great insurance quote for Northern Ireland

    Local Comparison site

    CompareNI is your local comparison website helping you find insurance from providers in Northern Ireland and across the UK.

    One simple form

    Overview

    Compare young driver car insurance northern ireland

    If this is your first car, you are under 25 or have little or zero no claims bonus, it can be important to shop around for a cheap young driver insurance quote.

    NI Young Driver Car Insurance Comparison

    There are a number of practical steps that young drivers in Northern Ireland can take to reduce insurance premiums, such as completing the Pass Plus scheme, reducing their annual mileage or driving a car with a smaller engine or considering third party or third party fire and theft cover, which in some cases may be cheaper.

    CompareNI can help take the hassle out of finding cheap young driver insurance quotes in Northern Ireland, by using our online comparison system to help young drivers find insurance for teenagers and new drivers. Once you fill in our simple form you should get a list of quote displayed on online for you to view and compare. The list should be organised by the cheapest quote first.

    Compare Young Driver Insurance FREE with CompareNI



    Compare Young Drivers Car Insurance at #most #reliable #cars


    #car insurance for young drivers
    #

    Young drivers’ car insurance

    Compare cheap young drivers’ car insurance quotes from multiple insurance brands

    Key points


    • Young drivers pay more because of inexperience, reputation and risk
    • Driving without insurance is illegal and you risk having your licence revoked
    • Follow our tips for help in getting the right cover and keeping the price affordable

    As a young driver, getting car insurance at the right price and with the right level of cover can be frustrating.

    Not all insurers will quote for you, and when they do the prices they offer can be really high.

    But it’s vital to arrange the right policy – in 2012, DVLA figures revealed that 10,797 drivers with fewer than two years’ experience lost their licences and more than half of those cases were because they were driving without insurance.

    With this in mind, we’ve put together some information to try to help you find a better deal.

    “There are ways to try to reduce the cost as you build up a safe driver record and no-claims discount,” said Gocompare.com’s Lee Griffin.

    Why young drivers pay more for car insurance

    There are three main reasons why young drivers have to pay a lot for their car insurance – inexperience, reputation and risk.

    Inexperience

    Driving experience is a crucial factor – the more time you spend on the road the better your driving is likely to be.

    Drivers with more experience have a proven track record so long as they stay conviction and claim free and, as a result, they get a discount on the price of their car insurance (called a no claims bonus ).

    Reputation

    Young drivers have a reputation for causing more accidents than any other age group and statistics from the Association of British Insurers prove that this is true.

    Need more information?

    The data reveals that the UK’s 18-year-olds alone cause 50 collisions a day – three times more than drivers in their 50s.

    Indeed, male drivers under the age of 21 are 10 times more likely to be involved in a motoring accident than drivers over the age of 30. [1]

    This means insurance companies pay out more in claims for young drivers and so charge more for insurance cover.

    Car insurance premiums are based on risk (how likely it is that an insurer will have to pay out on a claim).

    Insurers will look at your quote details (eg your claims history, the cost or type of the car you drive, where you live, your driving experience) and then decide what to charge.

    Young drivers have more accidents and experience more car security issues, such as theft and vandalism, as crime rates are higher amongst young people.

    They are, therefore, seen as a greater risk, and this is reflected in the high price of premiums.

    How young drivers can reduce their car insurance premiums

    While higher prices are the norm for younger drivers, there are some things you can do to lower your insurance costs. Read our top tips for cutting the cost of car insurance. but young drivers may want to focus on the following:

    Did you know.


    Choose a small car

    Get a car with a small engine – for example a 1.1 litre rather than a 1.6 litre – which is in a low car insurance group .

    You’ll also pay less road tax if your car has a small engine capacity.

    Avoid modifications

    Modifications (upgrades to styling, audio or performance) may look good, but for the younger driver they mean a big increase in the price of car insurance.

    Alloy wheels, body kits and performance upgrades make vehicles more attractive to car thieves. Modified cars also tend to be more expensive to fix than ordinary cars.

    Named drivers

    Adding another driver with a clean licence and several years’ claim-free driving to your policy could reduce your premium.

    Just make sure you get consent from the person(s) who you’d like to add so that they know to declare that they have access to another car when getting their own insurance.

    Also, if you’re the main driver make sure you’re noted as such on the policy.

    If you say the other person is the main driver because they have a better driving history you’re committing a fraud known as fronting and you could invalidate your insurance.

    Limit your mileage

    If you only drive at set times of the year (perhaps during term time) then let your insurance company know.

    To lower the risk of having an accident, avoid driving in rush hour and limit your annual mileage.

    Consider a telematics policy

    A telematics car insurance policy works by using a black box or a mobile phone app to monitor your driving and then using the data gathered as the basis for setting your insurance premium.

    Such policies are available for drivers of all ages, but are thought to be especially beneficial for safe, young drivers who are struggling to find competitive quotes.

    The feedback you receive has also been seen as a valuable form of education to help improve your driving.

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount

    Agree a curfew

    Some insurance companies may reduce your premium if you agree to limit your driving to certain hours of the day.

    Improve security

    Consider improving your vehicle’s security. Fit an alarm or immobiliser and – if you have alloy wheels – invest in locking wheel nuts.

    Park with care

    If you can, park your car in a safe spot overnight. Parking off the road can lower the chance of your car being vandalised or stolen. Read more in our article on overnight parking and car insurance .

    Increase your voluntary excess

    Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance.

    Remember, though, if you make a claim you may have to pay that excess before the garage will give you your car back.

    Get a Pass Plus certificate

    Pass Plus is a training scheme for new drivers. Bear in mind that you’ll need to pay for the course and you may not recoup the costs, but your driving should improve.

    Read our article on advanced driving courses for more information on Pass Plus and other courses that may prove beneficial.

    Other ways to cut costs

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount. Other things you can do are:

    Pay annually

    Pay for your insurance when you take out the policy rather than by monthly instalments in order to avoid interest charges.

    Consider your cover

    If you have a car that’s not worth much, consider third party fire and theft rather than comprehensive cover (the car may only be worth a bit more than the excess on your policy).

    Pay close attention to the options, though – third party products generally offer much lower levels of cover and are not necessarily cheaper.

    Our top tip for cheaper insurance


    • You won’t be surprised to hear this. Shop around and review prices using a comparison site such as Gocompare.com!

    Only pay for what you need

    Make sure you’re not paying for policy benefits you don’t really require. For example, legal assistance or courtesy car cover may not be essential to you.

    Shop around

    There will be a vast difference between the lowest and highest quotes from different insurers.

    Some insurers will be more competitive than others for different drivers, vehicles and regions so there’s no such thing as a ‘best buy’ car insurance policy for every driver.



    Auto Insurance for Young Drivers. #car #rental #florida


    #cheap car insurance for young drivers
    #

    Auto Insurance for Young Drivers

    Getting affordable coverage for a young driver will likely be difficult to do, but the more insurance companies you get quotes from, the more likely you are to find the best deal. Teenagers and other younger motorists usually cost more to insure because their lack of experience and their relatively high crash rates mean they may be more likely to get into an accident and file a claim.

    Crash statistics for young drivers

    The statistics show that younger drivers are more at risk of being injured in a car accident than older drivers. According to national crash data for 2010. 16- to 24-year-olds were injured in car accidents at nearly twice the rate of Americans that were 25 years old and older.

    Younger drivers make up only about 14 percent of the American population, but they account for about 29 percent of the nation’s motor vehicle injury costs, according to the Centers for Disease Control and Prevention .

    The CDC also notes that “Per mile driven, teen drivers ages 16 to 19 are three times more likely than drivers aged 20 and older to be in a fatal crash.”

    There are many reasons why teens are more at risk than other drivers. The following are some of the biggest factors outlined by the CDC and the National Highway Traffic Safety Association:

    • They are more likely to underestimate dangerous situations.
    • They are more likely to not recognize hazardous situations.
    • They have the lowest rate of seat belt use.
    • They have a greater risk of getting into a crash than older drivers if they have any level of blood alcohol concentration (BAC).
    • They are more likely to speed and leave less distance between them and the car in front of them.
    • They are among the groups most likely to text and talk on a cell phone behind the wheel.

    How to keep costs low

    Just as in any other insurance shopping situation, the best ways to keep insurance costs low for younger drivers are to shop around, to take advantage of as many discounts as possible, and to keep a clean driving record. Some insurers may be more welcoming of teen drivers and may provide affordable rates, so you’ll have to shop around and find which ones offer the best deals. When you do find one, make sure to ask about discounts for being a good student or taking a driver safety course to see if you qualify. Once you’re on the road, make sure to steer clear of accidents and traffic violations in order to preserve your clean record.

    Another thing you can do is choose a car for you or your teen that has relatively low insurance costs. Getting a sportier, more expensive car may leave you or your teen paying higher premiums, while buying a low-key, mid-priced model that has good crash and safety ratings may lower the cost of coverage. You can always get quotes for different vehicles before heading to the dealership to decide on a car.



    Young Drivers Insurance at Internet rates #car #transport


    #cheap car insurance for young drivers
    #

    The fact is that insurance companies see younger drivers as a greater risk, and statistics do indeed show that not only are young drivers involved in more accidents than older drivers, but their vehicles are more likely to be vandalised or stolen too. The most risky period is within two years of passing a driving test, and it is not unusual for premiums to actually increase after a learner driver has thrown away the L plates, because this means that he or she will now be free to drive without qualified supervision, and on motorways, where even a small error can lead to catastrophic consequences. Insurance premiums can therefore be extremely heavy for those aged under 25 without a great deal of driving experience, but nevertheless there are ways of cutting these down considerably! Here are a few tips on how to cut those premiums: –

    Fight off the urge to buy yourself a shiny, fast sports car! Not only will the insurance cost you a fortune but you may well struggle to find cover at all. Instead, buy a vehicle in the lowest possible insurance group with the smallest engine; you can always upgrade to a classier set of wheels when you are a little older.

  • Don t buy an expensive car at this stage, but go for something cheap and cheerful subject to it being in good mechanical condition. A few minor dents here and there may make it a cheaper buy, and if it collects one or two more it won t be such a disaster! Insure it for third party only, or third-party fire and theft if you can afford it.
  • Try not to allow any claims to be made against your insurance policy unless it is absolutely necessary. If you drive into the back of a friend s car it may be a lot cheaper in the long run to pay for the damage out of your own pocket than make a claim and watch your premiums spiral out of sight.
  • See if your insurer will give you a substantial reduction in premium if you accept a larger voluntary policy excess, ie the amount that you will pay out of your own pocket towards any claim. Sometimes offering to pay a little more than the standard £50 or £100 excess can lead to a much reduced quotation.
  • Do not, under any circumstances, risk driving without insurance, at an excessive speed, in a dangerous manner, or with any alcohol or drugs in your system! You may feel that the fine and penalty points (or ban) would be punishment enough but the increase in premium, if you were able to get insurance at all, could be eye watering.
  • If, and only if, you intend to drive your parents car occasionally you may be able to be included on their insurance policy as a named driver. You have to be very careful with this however, since if you were in fact the main driver of that vehicle you could be committing a criminal offence and the insurance company could refuse to pay out in the event of an accident.
    • Finally, use a top price comparison engine to find the lowest price. Tesco check a large number of different companies in about the same time it takes to get a single quote and the difference between the highest and lowest prices can be quite staggering.



    Young Drivers Insurance #modified #car #insurance


    #cheap car insurance for young drivers
    #

    You are here

    Cheaper car insurance for young drivers

    You’re a young driver, you’ve passed your test, you can’t wait to get out on the road. But you need to get young drivers car insurance first – and how much is it going to cost? As a young driver you must be wondering where the best place is to get cheaper car insurance for first time drivers.

    It is an unfortunate fact that younger drivers have considerably more accidents – especially serious ones – than more experienced drivers. In fact 20% of serious accidents on the road involve young drivers (source ). This means that car insurance quotes for young drivers tend to be much higher – because the probability of having to pay out lots of money following an accident is higher.

    So where can you find cheaper car insurance policies? Where can you get a great price for young drivers insurance? Well insurethebox is a good place to start.

    With insurethebox, you are given the chance to prove that you are a safe driver. We’re a better value option for many young drivers, with customers aged 25 and under saving an average £517* when they choose insurethebox.

    17 year-old Kyle from Glasgow was shocked that car insurance could be so expensive for young drivers. The highest quote he received by searching online was £4,400 – almost £3000 more expensive than the policy he decided to buy from insurethebox.

    “When I first started driving I was a bit nervous about the black box, but I quickly got used to it. It’s not fair that so many young people set a bad reputation for other young drivers by driving badly. But black box car insurance from companies like insurethebox helps bring the cost right down, making it cheaper for us to be on the road, while keeping an eye on our driving”.

    With telematics technology, you are rewarded for good driving. You can earn up to 100 Bonus Miles a month, and could get a great value car insurance price at renewal.



    Cheap car insurance for young drivers – young drivers insurance #auto #auctions


    #cheapest car insurance for young drivers
    #

    Cheap car insurance for young drivers

    Young drivers insurance for cars is notoriously expensive – find out why and what you can do to lessen the blow and find cheap insurance for young drivers.

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    Our latest data shows that average premiums for young male drivers aged 17 to 18 are almost more than £2,200, while young women in the same age bracket face average bills of close to £2,000 – a 50% rise since the EU Gender Directive came into force on 21 December 2012.

    And with insurers no longer able to take gender into account when calculating car insurance  premiums, the cost of young drivers insurance is only heading in one direction.

    Why is young drivers car insurance so expensive?

    The main reason car insurance for young drivers is so expensive is the risk the insurer takes – statistics show that young drivers are far more likely to be involved in accidents than drivers over the age of 25, with insurance premiums calculated to reflect the stats.

    AA research shows that one in eight British drivers is aged 25 and under, with a quarter of all drivers involved in serious traffic collisions within this age group.

    As well as being more likely to have an accident, young and new drivers often have to pay more for their car insurance because they haven’t had the chance to build up a no claims bonus  over time.

    Cheap car insurance for young drivers can thus be quite difficult to find, but you can compare the market for new driver insurance on uSwitch:

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    How to find the best cheap car insurance for young drivers

    There are a number of things you can do if you’re struggling with the high cost of car insurance for young drivers:

    Find the cheapest cars to insure

    Many things can impact the cost of young driver insurance and one of the first places to look at is the car itself.

    Insurers place cars into individual insurance groups from 1 to 50.  Typically, if the car is in group 1 it will be amongst the cheapest to insure and 50 will be the most expensive. Cars are rated on the following factors:

    • How quickly the car accelerates and its top speed
    • The value of the car as new
    • The security features the car has
    • How much it will cost and how long it will take to fix if it is broken
    • How much the individual parts cost

    You can learn more about the type of cars which attract the cheapest insurance premiums by reading our guide to the cheapest cars to insure .

    Get an extra driving qualification

    Some insurers offer discounts to young drivers who take part in the Pass Plus scheme. This is a training course that gives additional coaching to new drivers.

    The logic is that the better and more confident driver you are, the less likely you are to have an accident and make a claim.

    The course only takes around 6 hours to complete and could drastically cut the cost of young drivers insurance.

    Increase your excess

    Choosing to pay a higher excess the amount you have to pay up front if you make a claim – could significantly lower the cost of young driver insurance.

    However think realistically about whether you could afford to pay that lump sum if you end up needing to make a claim.

    Don t pay for what you don t need

    With a number of different types of car insurance policy out there, it pays to get an idea of what level you require. Don’t pay extra for what you don’t need.

    The minimal level of cover to legally drive in the UK is third party car insurance. This will cover costs in repairs or injuries to any third party affected by an accident you cause. Any costs to your own car however will not be covered.

    With a third party car insurance policy you will also not be compensated if your car is stolen or damaged. If you live in an area where theft and vandalism is common then you might want to consider getting third party, fire and theft cover.

    As with regular third party insurance however, third party fire and theft won’t cover any injury costs or repair costs to your vehicle in the event of an accident.  To get this level of cover, opt for a fully comprehensive insurance policy.

    Take some time to consider what level of cover you need. Also, make sure you compare the whole market as you may be surprised at which level of cover comes out cheapest.

    Add an experienced second driver to the policy

    Adding an experienced and older named driver to the policy is another effective way to bring down the cost. This way the insurer is reassured that the young person will not be the only one driving the car, which reduces the chances of an accident occurring.

    However, be careful of ‘fronting’. The car must be in the name of the main driver of the vehicle, otherwise you are breaking the law and any claims you make will be turned down and your insurance invalidated.

    Don’t pay per month

    It may not be possible for many young drivers to fork out the cost for car insurance in one go, but if this option is open to you, take it, as you could pay less in total by not paying in monthly instalments.

    Telematics/Black box insurance

    If you don’t plan to use your car very often, telematics (or black box insurance as it s also known) could be the right move for you. Black box car insurance counts the miles you’ve driven so that you only pay for what you use.

    A telematics box will be installed in your car and it works much like a pay as you go mobile phone contract as you top up in bundles of miles depending on how much you’re driving.

    The technology measures everything and paints a picture of how safe a driver you are. So if you’re a safe driver and stick well within the speed limits then you could get your hands on cheap young driver insurance.

    Keep in mind however that your circumstances might change and you might find that you have further miles to drive making it more expensive.

    Read more about black box insurance in our guide.

    Make your car secure

    Make your car more secure by adding security features such as an alarm and try to keep it out of harm’s way as much as possible. If you can park your car off the street, or even better in a garage, then you will very likely see the quotes fall in price.

    New drivers insurance

    It is not just young drivers that are faced with sky high premiums, new drivers insurance is similarly expensive. Ultimately, it comes down to the providers taking a risk on your inexperience.

    New drivers of any age are often cited in statistics that show them being more likely to have an accident than their more experienced counterparts.

    This often means that new driver insurance is likely to have the high premiums often associated with car insurance for young drivers.

    You can read our guide to cheap car insurance for new drivers  to learn more.

    Read more…

    • 9 Ways To Get Cheap Car Insurance For Young Drivers Even if you re a young driver there are ways to get a better deal on your car insurance
    • Car Insurance The Basics Do you know the fundamentals of car insurance?
    • Black Box Insurance Black box insurance offers an alternative to traditional car insurance

    Get a car insurance quote

    Compare car insurance I don’t know my registration number



    Young drivers #rent #a #car #for #cheap


    #car insurance for young drivers
    #

    Young drivers

    Car insurance for young drivers

    Just got your Ls or your Ps? About to buy your first car?

    There are lots of things you need to do before you hit the streets. You need to set up a budget so you know exactly what it costs to run a car. You need to find a car that matches your personality and your needs. And you need to think hard about insurance.

    Drivers under 25

    Smart tip

    Buying a car, getting a loan and paying for insurance are three separate things. Always shop around. You might be better off getting each of these services from three different places.

    The cost of insurance is determined by the level of risk your insurer is taking on. As more young drivers are involved in accidents than older drivers, most insurance companies charge a higher premium for drivers under 25.

    Young drivers may also have to pay an additional ‘age excess’ when making a claim. Always check your policy carefully to see what excesses might apply.

    If your parents are letting you use the family car, they will have to pay extra to insure you and the car. It’s important that they inform their insurer when you start driving. Otherwise, the insurer might not pay for damage if you have an accident.

    The table below shows the coverage offered by different types of insurance.



    Young Drivers Insurance #uk #car #sale


    #cheap car insurance for young drivers
    #

    You are here

    Cheaper car insurance for young drivers

    You’re a young driver, you’ve passed your test, you can’t wait to get out on the road. But you need to get young drivers car insurance first – and how much is it going to cost? As a young driver you must be wondering where the best place is to get cheaper car insurance for first time drivers.

    It is an unfortunate fact that younger drivers have considerably more accidents – especially serious ones – than more experienced drivers. In fact 20% of serious accidents on the road involve young drivers (source ). This means that car insurance quotes for young drivers tend to be much higher – because the probability of having to pay out lots of money following an accident is higher.

    So where can you find cheaper car insurance policies? Where can you get a great price for young drivers insurance? Well insurethebox is a good place to start.

    With insurethebox, you are given the chance to prove that you are a safe driver. We’re a better value option for many young drivers, with customers aged 25 and under saving an average £517* when they choose insurethebox.

    17 year-old Kyle from Glasgow was shocked that car insurance could be so expensive for young drivers. The highest quote he received by searching online was £4,400 – almost £3000 more expensive than the policy he decided to buy from insurethebox.

    “When I first started driving I was a bit nervous about the black box, but I quickly got used to it. It’s not fair that so many young people set a bad reputation for other young drivers by driving badly. But black box car insurance from companies like insurethebox helps bring the cost right down, making it cheaper for us to be on the road, while keeping an eye on our driving”.

    With telematics technology, you are rewarded for good driving. You can earn up to 100 Bonus Miles a month, and could get a great value car insurance price at renewal.



    Young Drivers Insurance at Internet rates #want #to #buy #a #car


    #cheap car insurance for young drivers
    #

    The fact is that insurance companies see younger drivers as a greater risk, and statistics do indeed show that not only are young drivers involved in more accidents than older drivers, but their vehicles are more likely to be vandalised or stolen too. The most risky period is within two years of passing a driving test, and it is not unusual for premiums to actually increase after a learner driver has thrown away the L plates, because this means that he or she will now be free to drive without qualified supervision, and on motorways, where even a small error can lead to catastrophic consequences. Insurance premiums can therefore be extremely heavy for those aged under 25 without a great deal of driving experience, but nevertheless there are ways of cutting these down considerably! Here are a few tips on how to cut those premiums: –

    Fight off the urge to buy yourself a shiny, fast sports car! Not only will the insurance cost you a fortune but you may well struggle to find cover at all. Instead, buy a vehicle in the lowest possible insurance group with the smallest engine; you can always upgrade to a classier set of wheels when you are a little older.

  • Don t buy an expensive car at this stage, but go for something cheap and cheerful subject to it being in good mechanical condition. A few minor dents here and there may make it a cheaper buy, and if it collects one or two more it won t be such a disaster! Insure it for third party only, or third-party fire and theft if you can afford it.
  • Try not to allow any claims to be made against your insurance policy unless it is absolutely necessary. If you drive into the back of a friend s car it may be a lot cheaper in the long run to pay for the damage out of your own pocket than make a claim and watch your premiums spiral out of sight.
  • See if your insurer will give you a substantial reduction in premium if you accept a larger voluntary policy excess, ie the amount that you will pay out of your own pocket towards any claim. Sometimes offering to pay a little more than the standard £50 or £100 excess can lead to a much reduced quotation.
  • Do not, under any circumstances, risk driving without insurance, at an excessive speed, in a dangerous manner, or with any alcohol or drugs in your system! You may feel that the fine and penalty points (or ban) would be punishment enough but the increase in premium, if you were able to get insurance at all, could be eye watering.
  • If, and only if, you intend to drive your parents car occasionally you may be able to be included on their insurance policy as a named driver. You have to be very careful with this however, since if you were in fact the main driver of that vehicle you could be committing a criminal offence and the insurance company could refuse to pay out in the event of an accident.
    • Finally, use a top price comparison engine to find the lowest price. Tesco check a large number of different companies in about the same time it takes to get a single quote and the difference between the highest and lowest prices can be quite staggering.



    Young Chevrolet Cadillac Buick GMC – Car Dealers in Owosso, MI #rent #a #car


    #dealer car
    #

    Your Car Dealer in Owosso, MI

    Young Chevrolet Cadillac Buick GMC in Owosso, MI treats the needs of our Michigan customers with the utmost concern. We know that you have high expectations and, as a family owned and operated car dealership, we enjoy the challenge of meeting and exceeding those standards each and every time. Allow us to demonstrate our commitment to excellence! We are the car dealer to visit when you are looking for new and used cars for sale in Owosso, Lansing, Flint, and other surrounding areas.

    As an experienced car dealer, we are eager to share our knowledge and enthusiasm with you. We encourage you to browse our online inventory, schedule a test drive at our dealership, and investigate financing options. You can also request more information about a vehicle using our online form or by calling (989) 725-2184. It is important to have up-to-date information when you are interested in cars for sale. Whether you’re looking for a Chevrolet, Cadillac, GMC, or Buick, we have all the makes and models to meet your needs.

    If you don’t see a particular vehicle, click on CarFinder and complete the form. We will gladly inform you when a matching car arrives. If you’d like a see a vehicle in person, click on Dealership:Directions for step-by-step driving instructions to the dealership, or give us a call. There are plenty of new and used car dealers in Owosso, MI and the surrounding areas; but, at Young Chevrolet Cadillac Buick GMC, we provide a place for you to get a hands-on assessment of your choice of vehicle. Let our team of trained professionals help you with your decision. Many drivers from Flint, Lansing, and the across Michigan make the short trip to our car dealer in in Owosso. We look forward to serving you!

    *All advertised prices exclude government fees and taxes, any finance charges, and any dealer document preparation charge. Prices shown do not include installation costs or license. Stock picture displayed. Colors, options and trim levels may vary. Payments presented include GM employee pricing, trade incentive and rebates. Low mileage lease, terms may vary. See dealer for details. Based upon approved credit.



    Young Driver Automobile Insurance #cars #for #sale #nsw


    #car insurance for young drivers
    #

    Car Insurance and Discounts for Young Drivers

    Add a teen driver to your auto policy can be stressful. Not only do you worry about putting junior behind the wheel, you worry about the impact on your auto insurance. That s why ERIE offers the Youthful Driver Discount. Eligible young drivers can save up to 20 percent on their car insurance.

    Insurance Discount Eligibility*

    Requirements:

    • Your household must be without an at-fault car accident during the past five years.
    • The young driver must be under 21 years old.
    • The young driver must be unmarried.
    • The young driver must have a driver s license, not a learner s permit.
    • Erie Insurance must insure all cars in the household.
    • The young driver must not drive a performance car
    • The young driver must review safe driving habits with his or her ERIE Agent (waived for 19 and 20 year olds who have existing auto insurance policies with Erie Insurance).

    Car Safety and Other Discounts

    *This car insurance discount varies by state.



    What are the Cheapest Cars for Young Drivers? #discount #cars


    #cheapest car insurance for young drivers
    #

    What are the cheapest cars for young drivers?

    Kevin Pratt. Jun 03 2013 at 1:59 pm

    It’s never been so difficult to be a young or newly-qualified driver. There’s rocketing fuel prices, tax, hefty running costs and, of course, steep car insurance premiums.

    With this in mind, it’s absolutely imperative to do your research before you buy a car. Fuel economy, road tax grouping and the car’s insurance group are vital considerations that will influence your decision.

    Together with DriversEdgeUK. we’ve looked at the total monthly and annual running costs of 10 of the cheapest cars for young drivers. We’ve found that the Seat Mii is the cheapest new car when it comes to monthly expenditure, with the average 18-year-old motorist facing a monthly bill of £346.63.

    This covers the monthly purchase repayment, car insurance, fuel and road tax. The Mii comes highly recommended, having beaten off tough competition to win the 2012 MoneySupermarket Car of the Year title.

    But what if you prefer two wheels rather than four? You could be onto a better deal financially, as the monthly cost of owning a motorbike is significantly less than for a car for young drivers. We found that a Honda CBR would cost the average 18-year-old driver just £224.10 per month.

    Save time and money on your car insurance



    Cheap Car Insurance for Young Drivers – Young Persons Car Insurance #used #suv


    #cheapest car insurance for young drivers
    #

    Cheap Car Insurance for Young Drivers in the UK*

    Quinn-direct specialise in offering great rates for young drivers car insurance whilst also providing great benefits with all our policies. If you are looking for cheap car insurance for young drivers* without compromising on the quality of cover, click on ‘Get a Quote Now’ to get a competitive price.

    For young people car insurance can be costly, which is why we offer great value car insurance to suit the needs of those seeking cheap car insurance for young drivers* .

    Why choose Quinn-direct for your car insurance?

    Learner Drivers earn their own No Claims Discount

    Start earning a no claims bonus in your own name by getting your own insurance policy with Quinn-direct. New drivers can build up their valuable no claims discount even before passing their driving test.

    FREE 24 Hour Breakdown Cover Including Home-start

    Quinn-direct breakdown cover provides all customers with 24hr roadside assistance, which includes; home-start, local vehicle recovery and journey completion.

    Direct Debit Instalments – Monthly Payment Plan

    Quinn-direct allows you to spread the cost of your car insurance using our easy monthly payment plan, making your young driver motor insurance even more affordable.

    Audio Cover

    We will cover your car radio for up to £500 or 5% of the vehicle value.

    Loss of keys cover

    Courtesy Car

    Optional Benefits

    With optional extra benefits available, you can customize your cover to ensure you get the right level of cover for you, without paying for the extras you don’t need.

    Optional Legal cover

    Quinn-direct offer optional legal cover which provides up to £50,000 for legal costs to recover uninsured losses. Legal cover also provides a 24 hour legal helpline which gives free confidential advice for any personal legal problem (under EU law).

    Optional windscreen cover

    Get the cover you need for those unavoidable windscreen damages, giving you peace of mind with Quinn-direct windscreen cover. Best of all your no claims bonus won’t be affected.

    So to take the pain out of searching for the best young driver insurance quote with quality cover, simply click on ‘Get a Quote Now’ to see how much you could save with Quinn-direct .

    *The policy must fall within Quinn-direct current risk acceptance criteria and Quinn-direct reserve the right to refuse insurance.



    Cheap car insurance for young drivers – young drivers insurance #value #of #used #cars


    #cheapest car insurance for young drivers
    #

    Cheap car insurance for young drivers

    Young drivers insurance for cars is notoriously expensive – find out why and what you can do to lessen the blow and find cheap insurance for young drivers.

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    Our latest data shows that average premiums for young male drivers aged 17 to 18 are almost more than £2,200, while young women in the same age bracket face average bills of close to £2,000 – a 50% rise since the EU Gender Directive came into force on 21 December 2012.

    And with insurers no longer able to take gender into account when calculating car insurance  premiums, the cost of young drivers insurance is only heading in one direction.

    Why is young drivers car insurance so expensive?

    The main reason car insurance for young drivers is so expensive is the risk the insurer takes – statistics show that young drivers are far more likely to be involved in accidents than drivers over the age of 25, with insurance premiums calculated to reflect the stats.

    AA research shows that one in eight British drivers is aged 25 and under, with a quarter of all drivers involved in serious traffic collisions within this age group.

    As well as being more likely to have an accident, young and new drivers often have to pay more for their car insurance because they haven’t had the chance to build up a no claims bonus  over time.

    Cheap car insurance for young drivers can thus be quite difficult to find, but you can compare the market for new driver insurance on uSwitch:

    Get a car insurance quote

    Compare car insurance I don’t know my registration number

    How to find the best cheap car insurance for young drivers

    There are a number of things you can do if you’re struggling with the high cost of car insurance for young drivers:

    Find the cheapest cars to insure

    Many things can impact the cost of young driver insurance and one of the first places to look at is the car itself.

    Insurers place cars into individual insurance groups from 1 to 50.  Typically, if the car is in group 1 it will be amongst the cheapest to insure and 50 will be the most expensive. Cars are rated on the following factors:

    • How quickly the car accelerates and its top speed
    • The value of the car as new
    • The security features the car has
    • How much it will cost and how long it will take to fix if it is broken
    • How much the individual parts cost

    You can learn more about the type of cars which attract the cheapest insurance premiums by reading our guide to the cheapest cars to insure .

    Get an extra driving qualification

    Some insurers offer discounts to young drivers who take part in the Pass Plus scheme. This is a training course that gives additional coaching to new drivers.

    The logic is that the better and more confident driver you are, the less likely you are to have an accident and make a claim.

    The course only takes around 6 hours to complete and could drastically cut the cost of young drivers insurance.

    Increase your excess

    Choosing to pay a higher excess the amount you have to pay up front if you make a claim – could significantly lower the cost of young driver insurance.

    However think realistically about whether you could afford to pay that lump sum if you end up needing to make a claim.

    Don t pay for what you don t need

    With a number of different types of car insurance policy out there, it pays to get an idea of what level you require. Don’t pay extra for what you don’t need.

    The minimal level of cover to legally drive in the UK is third party car insurance. This will cover costs in repairs or injuries to any third party affected by an accident you cause. Any costs to your own car however will not be covered.

    With a third party car insurance policy you will also not be compensated if your car is stolen or damaged. If you live in an area where theft and vandalism is common then you might want to consider getting third party, fire and theft cover.

    As with regular third party insurance however, third party fire and theft won’t cover any injury costs or repair costs to your vehicle in the event of an accident.  To get this level of cover, opt for a fully comprehensive insurance policy.

    Take some time to consider what level of cover you need. Also, make sure you compare the whole market as you may be surprised at which level of cover comes out cheapest.

    Add an experienced second driver to the policy

    Adding an experienced and older named driver to the policy is another effective way to bring down the cost. This way the insurer is reassured that the young person will not be the only one driving the car, which reduces the chances of an accident occurring.

    However, be careful of ‘fronting’. The car must be in the name of the main driver of the vehicle, otherwise you are breaking the law and any claims you make will be turned down and your insurance invalidated.

    Don’t pay per month

    It may not be possible for many young drivers to fork out the cost for car insurance in one go, but if this option is open to you, take it, as you could pay less in total by not paying in monthly instalments.

    Telematics/Black box insurance

    If you don’t plan to use your car very often, telematics (or black box insurance as it s also known) could be the right move for you. Black box car insurance counts the miles you’ve driven so that you only pay for what you use.

    A telematics box will be installed in your car and it works much like a pay as you go mobile phone contract as you top up in bundles of miles depending on how much you’re driving.

    The technology measures everything and paints a picture of how safe a driver you are. So if you’re a safe driver and stick well within the speed limits then you could get your hands on cheap young driver insurance.

    Keep in mind however that your circumstances might change and you might find that you have further miles to drive making it more expensive.

    Read more about black box insurance in our guide.

    Make your car secure

    Make your car more secure by adding security features such as an alarm and try to keep it out of harm’s way as much as possible. If you can park your car off the street, or even better in a garage, then you will very likely see the quotes fall in price.

    New drivers insurance

    It is not just young drivers that are faced with sky high premiums, new drivers insurance is similarly expensive. Ultimately, it comes down to the providers taking a risk on your inexperience.

    New drivers of any age are often cited in statistics that show them being more likely to have an accident than their more experienced counterparts.

    This often means that new driver insurance is likely to have the high premiums often associated with car insurance for young drivers.

    You can read our guide to cheap car insurance for new drivers  to learn more.

    Read more…

    • 9 Ways To Get Cheap Car Insurance For Young Drivers Even if you re a young driver there are ways to get a better deal on your car insurance
    • Car Insurance The Basics Do you know the fundamentals of car insurance?
    • Black Box Insurance Black box insurance offers an alternative to traditional car insurance

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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.

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