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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When you’re ready for an insurance quote there’s not much you can do to change the outcome as it’s based on your previous driving history and individual circumstances. However there are certain ways that you can lower your premium making it more affordable for yourself.

If you are ever in doubt you should always declare any changes made to your vehicle, if you were to leave them, have a crash and the assessor notices that your vehicle isn’t exactly how described on your insurance policy then it will be void and you will be liable for any repairs and face further punishment in the form of a fine or even imprisonment. Read the full guide »

When you’re buying car insurance you have the choice of three policies which each have their advantages over the other giving different levels of cover. The main difference in them would be the price of your premium, some may not be practical depending on your circumstances and age. Be sure to get a quote for all three types of cover as sometimes it can only be a few hundred pounds difference so the highest level of cover will give you more benefits if the worst should happen. Read the full guide »

Many young drivers in today’s world modify their cars, this could be by simply adding a nice new set of alloy wheels on or going to extreme lengths making everything customised and unique. All insurance brokers ask if your vehicle has been modified from its manufactured state, it’s really tempting to say no to this question, even if you have because you know that this will increase your yearly premium so why would you want to voluntary tell them to charge you more? Read the full guide »