Student Car Insurance
Tips to Reduce Students Motor Insurance
Follow these really simple guides and if you're a student your premiums will be sure to reduce. Never accept the first quotes and get at least five comparative offers.
Get your car insurance online
Most companies will offer enhanced discounts when you buy online. It is usually
a saving of at least 10% over what they would charge their regular customers.
Get at least five quotes
Choose the right policy cover
Do you really need Fully Comprehensive insurance? If your car is worth several
thousand pound then the answer is probably yes. If you have a cheap runabout,
it may not be necessary and basic Third Party cover may well be enough.
Voluntary excess
If you agree to accept a higher voluntary excess (the amount you agree to
pay in the event of an accident), the lower your premium is likely to be.
Just make sure you can afford to pay the amount should the worst happen.
Avoid modifying your car
Try not to modify your car as will directly affect the rates you will be quoted.
For example by adding alloy wheels to a car, that were not standard at manufacture,
you could alter the insurance group rating applied to your particular vehicle.
The insurers work with the manufacturers so that a particular model of car
can be insured to a standard. If you modify your car and don't tell your insurer
then you risk not getting paid out if you need to claim.
Make your car more secure
Get a professionally fitted alarm serves two purposes - Thieves will probably
not attempt to steal your car in the first place and insurers sometimes offer
additional discounts. Always remove any valuables from your car, or hide them
away if you have to leave them in the vehicle.
Be truthful
Make sure your application is true to the best of your knowledge. You enter
into a contract with an insurer in good faith. If you lie, then need to make
a claim, an insurer can refuse to pay out on the policy. Once you have insured
your car you must then inform any changes in your circumstances, that may
affect your policy, to your covering insurance company. This would include
-
- car modifications
- moving house
- points on your driving license
- other people using your car
Avoid sports cars
If you are student then chances are you're well under 25. After 25 your premiums
will start to come down significantly. Until then, you don't want to take
your premiums even higher buy owning a sports car. Most small super minis
fall into the lower insurance groups - 1 to 4, and most family cars in the
5 - 11 group. Get a car with a small engine that is cheap to run and your
car insurance will be more manageable.
Be a careful driver
Being a considerate and careful driver, with a good attitude to other motorists,
is the best way to avoiding accidents. You will build up a good history of
no claims bonuses and gradually lower your premiums each year.
Student Car Insurance
Quotes
Visit our student car insurance quote section to get some very competitive
car insurance company information.
Car Insurance: News
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