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Car Insurance For 17 Year Olds
If you know anything about car insurance, then you know that insurance quotes are based almost entirely upon the amount of risk that the driver presents to the insurance company. With that in mind, it should come as no surprise that car insurance for 17 year olds is some of the most expensive insurance on the market. The cheapest car insurance rates will not go to these drivers, as they are young, inexperienced, and are more likely to get into a wreck than the average driver on the road. How do you get the best deal and the best cover for 17 year old drivers? Here are a few valuable tips to follow.
Considering possible alternatives to keep the rates down
When looking for car insurance quotes for 17 year olds, you might consider a different type of cover in order to keep the price down. Some will look at the expensive car insurance rates and run the other way, opting only for third party cover. This type of policy is good in that it significantly reduces the cost of a young driver. The problem, of course, is that it only provides coverage for a third party in case of an accident. There are risks and rewards there and ultimately you are the only person who can decide whether this type of coverage is appropriate.
Choosing the right car
As you compare the market and look for quotes, you will see that there are certain things you can do to bring down the cost of your insurance. For instance, the type of car that you drive will make a difference in your rates. If you are a young driver in need of coverage, then you should consider a conservative vehicle. Something that is safe and does not go very fast will be a good first choice. This can remove some of the risk for the insurance company and help you find cheap car insurance prices at the same time.
Outfitting your vehicle with security devices
Another thing to consider is what you can do in order to bring down your costs. You might put security devices on your car so that it will be more difficult to steal. For instance, a high-quality car alarm will help bring down your rates at least a little bit. Any other security device that might come with your car will be a positive factor, as well.
Upping your level of experience and expertise
One of the biggest problems for young drivers is that they don’t have the experience to handle lots of difficult situations out on the road. This is why insurance is so high for them. One way to counteract this is to complete a Pass Plus course after you take your regular driving course. This will show insurance companies that you are responsible and that you have a bit more driving savvy than the average driver. Your rates will take a significant dip if you can go through this course and pass it with flying colors.
Building up a no-claims discount
One thing to remember is that you have the power to control your future rates. As a young driver, you may be eligible for a no-claims discount with certain insurance providers. Many will work this into a policy so that they can reward you when you drive accident free. Do your best to avoid even the smallest accident, because having this no-claims discount will bring down your insurance cost to more reasonable levels. This is something to consider as you compare car insurance market for possible deals. Some companies provide this and some just do not.