A Guide To Car Insurance For 17-Year-Olds

17 Year Old Car InsuranceWhen a seventeen year old tries to obtain car insurance in the United Kingdom, there is no doubt that he or she will be charged a very large amount if he or she does not know where to go or what to look for. This is mainly because seventeen year-olds have not been on the road for very long.

Many insurance companies believe that they are overzealous when it comes to their freedom on the road. In addition, an insurance company may also believe that the younger the driver is the less responsible he or she may be. This poses an extremely high risk for insurance companies.

This is not the case for all insurance companies. If you look hard enough, it is possible for you to find an affordable car insurance policy at seventeen years old. In fact, some insurance companies offer specialized discounts on almost anything just for seventeen year olds. This includes everything from third party coverage to complete coverage.

The cost of your United Kingdom car insurance depends on the level of your insurance. For example the cost will be different for third party only coverage, third party coverage, fire and theft coverage, and full coverage. Before picking the right policy for you, it is important for you to look at what you need and look at your budget.

You may want to consider getting a basic car in order to obtain cheaper coverage. This is mainly because you will be charged a lot more if you were to own a sports car.

What to Look For In Your First Policy

For the past two years a lot of the United Kingdom insurance companies have quit offering quotes for seventeen year olds. This is mainly because there have been higher accident rates in this age rage. As mentioned before, this poses a very serious risk for insurance companies. Even though your options are very limited when compared to the options of an older and more experienced driver, you can always shop around. You might find an insurance company that is willing to offer you a quote. You need to find as many quotes as possible. There are currently many different specialists that are willing to give seventeen year olds a quote on their insurance policies.

Consider the value of your car before you purchase your first insurance policy for seventeen year olds. For example, if you have an inexpensive car as opposed to a sports car, you might not need full coverage. This is because your car can be easily replaced. You might even be better off with only the minimum coverage that is legal in the United Kingdom. This may be third party only or fire and theft coverage.

How to Save Money on Car Insurance

If you are interested in saving money on car insurance for seventeen year olds, you can easily doing this by reconsidering your choice in cars. As mentioned previously, you can save a lot of money simply by purchasing a more conventional and less expensive car.

In addition, you can save money on your car insurance by avoiding any modifications to your car. This may seem like a very bad idea, but you will save money on your car insurance because it does not pose as a high risk to your insurance company. You might also want to consider raising the security of your car. For example, you may want to park in your garage at night.

You may also want to install an immobiliser or a car alarm. If you are not sure what to do, then you can always ask your insurer for recommended security products.

It is possible for you to add extra features to your policy. Some of the more popular features include:

  • Legal expenses coverage
  • Breakdown coverage
  • Road rage coverage allows you to file your claim in the event of an accident due to someone‚Äôs road rage
  • Glass coverage