In the present world, driving is an interesting sport, especially among the young generation. It also refreshes and relaxes the mind. But in case of the newly qualified drivers, it is considered a great risk factor, as they are younger in their age and more susceptible to accidents. It is for this reason; the premium of newly qualified driver insurance is quite high in comparison to the other drivers.
The premium is high as the newly qualified drivers are also inexperienced. According to the statistics, it has been observed that one in five drivers that have just hopped on to the road suffer from an accidents and crash following the passing of the driving test within a span of a year. In the present article we will discuss about the things to be remembered before applying for newly qualified driver insurance.
If you are a student driver, then you can ask about any availability of student discounts. You, as a student will have to present proof along with the copy of the report. There are some of the insurance companies which offer these drivers with extended discounts.
Do not always accept the newly qualified driver insurance quotes as provided by the companies. Shop around and compare all the prices in order to increase your number of options and therefore get the best policy.
The most important point, insurers look upon is the mileage count. So keep an eye on the number of miles you are driving during the course of the year. More you drive; more is the cost of your premium. Therefore, drive less and save the cost of your premium.
Do choose for a higher excess, which can eventually reduce your premium. But make sure that you can bear the cost when you are claiming to do so. You can acquire vehicle insurances online, which can often offer more discounts.
The insurers take into account and keep a watch on the safety and security issues of your car. You can add on some of the security devices such as immobilizers, tracking devices and alarms. They often offer cheaper insurances if they judge that your vehicle is being stolen. In order to fulfill the basic requirement, make sure you always park your vehicle in a locked garage. You should also be aware about the insurance cost of a particular vehicle before buying your own car. Do a little bit of homework some research about the car and about its safety measures. Don’t get carried away by the looks. This is because great looking cars will always attract higher premium. You can add a named driver to your policy such as someone older or more experienced, which will minimize your premium costs. The insurers will feel that the driving responsibilities will therefore be shared while driving.
You can also take the Pass plus test. After completion of the Pass Plus test, the newly qualified drivers could be eligible for up to 20% discount from their car insurance. The test will also improve your driving skills. This is one of the most common courses which are being undertaken by most of the teenage, young and newly qualified drivers in order to obtain discounts in their car insurance policies.
Author Bio: Sam is an expert blogger who loves to author interesting articles for various sites and blogs. His primary interest lies in driver insurance related articles.