Many people have found a great way to dramatically drop the cost of their insurance, especially for young drivers. This is by getting their mum or dad to insure the car in their name and add them as a named driver, this will reduce your premium to a certain extent but the insurance brokers aren’t stupid. They know that your middle aged dad won’t be running around in a heavily modified car. Many companies treat applications with named drivers with more care to avoid this happening as it can be very costly to the broker.
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When it comes to getting a car, the very first thing you always check is the cost of the insurance premium based on your individual circumstances because sometimes it can be just as much as the car itself. Insurance companies base your quote on your age, gender, address, motoring history and then take the car into account so you can never know how much it will be. The general rule of thumb is that the lower the engine of the car, the lower the premium. You have to do a complete check of the vehicle you’re planning on purchasing as there are some 1.6 litre engines that have higher performance than a 1.8/2.0 litre engine as they are highly tuned and will be expensive to insure.
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