Cheap Car Insurance: How Young Drivers Can Secure Them

There is a commonly held belief that young drivers are a greater threat on our roads that older, more experienced ones. Unfortunately, there are also statistics to uphold the idea, and for this reason, many insurance companies are unwilling to grant cheap car insurance to anyone under the age of 23. But, there are some.Like everything else, there are ways to secure a more affordable insurance option but it usually means looking outside the box. Affordable premium rates can be secured if certain steps are taken in advance, and if some unnecessary coverage is cast aside.And while there may be some compromises required, the ultimate aim of getting car insurance that does not cost the earth is attained. But what are the options open to young drivers?Choose the Right CarThe first step in securing cheap car insurance is choosing the right car. Millions of young drivers prefer to buy the cheapest car they can just to get on the road as an independent driver. But this can be detrimental in the long run. Cheap cars are old cars, and old cars are less safe, which prompts insurance companies to increase premiums.Making the commitment to buy a more recent model (not necessarily a new one, of course) means that a more affordable premium rate is charged initially. While the repayment on the car itself is higher, the lower insurance carries through over the years, thereby ensuring greater savings.Choose a car with a good safety record too. Take time to research which car types are favored by insurance companies, and then find the most affordable one for your budget. That way, the company is most likely to provide car insurance that is not too expensive.Get the Right SupportIt is always a good idea to secure support from parents. This does not have to involve being a named driver on their policy, but could be where they actually pay the premium on behalf of the driver. This does not mean that the premium is smaller, but as far as the young driver is concerned, they have secured very cheap car insurance.Another way to support the claim for a more affordable premium rate is to provide the information necessary to qualify. For example, students can get lower premiums if they maintain a high score point average. It is also possible to make savings if the car is driven on a limited number of occasions - for example, only to work and back.Some insurance companies also charge lower car insurance if the car is more eco-friendly, such as hybrid cars that run on both fuel and electric power.Enhance Safety FeaturesFinally, if a car is secure it is less likely to be stolen, thereby qualifying the driver for cheap car insurance. So, invest in some reliable safety features, like an immobilizer and a certified modern car alarm system.It is also worth securing extra driving qualifications, or regularly updating existing ones. Passing driving school once is fine, but taking refresher courses qualifies a driver for a more affordable premium rate as a conscientious driver.And of course, getting a speeding ticket or any kind of driving offence can kill the chances of getting lower car insurance. So refrain from taking any risks when driving. It is better to be cautious, be safe and be wise.