November 4, 2009
3 Easy Steps to Cheap Car Insurance Quotes For New Drivers
Being a new driver is a tough call when it comes to car insurance. The reasons are not hard to find. Statistics seem to suggest that 29% of road accidents caused by new young drivers cause most accidents and deaths. Examination of the Association of British Insurers says that, although new drivers only 10% of the total population are driving, they are involved in 25% of collisions. Are you still surprised why new drivers have a terrible time to lower car insurance rates? Clearly, the way to cheap car insurance quotes for new drivers is far from easy. But in this article, i never fail to share with you three strategies that give you the best shot at low prices. Your first plan of attack is not looking for a high performance vehicle with a very low theft record. A combination of an inexperienced driver and a high performance engine is considered too risky by virtually all insurance companies. For those of us in the dark, one engine is 1.8 liters and above will be considered as high risk. Besides the performance of the vehicle, theft insurance as one of the most crucial factors that determine your premiums. Those of us who follow the press know that by the end of 2007, Hollard Insurance announced that it will no longer be providing cover for certain vehicles in particular, the VW Golf Range because of high theft. You see, insurance covers risks that can happen and no risk that will certainly happen given time. So, stay away from vehicles in the question of the thieving community. My second plan is to negotiate a higher basic excess, but one that you are sure you will be able to afford. The higher the excess you are willing basis, the lower your premiums to contribute. However, you have to operate within the limits of what is reasonable and sensible. I have people desperate for the low rates more than amount to R8050. This is a sure way to ensure that your vehicle is parked for months in the event of an accident! Now, the number one strategy for this l recommend new drivers looking for a cheap car insurance quotes is that they should shop around intelligently. Note that l do not mean you need to get dozens and dozens of citations. A strategy of accumulating dozens of citations in the hope of getting a low one has the great disadvantage of running quotes of poor quality insurance that will certainly not pay to claim stage. Your goal in the search for car insurance is not just insurance cover. Your real goal is to deliver high-quality cover at the lowest premium you can get. Never forget that anyone can offer at a low car insurance! So, what is to shop around intelligent? Now, listen real close. To shop around intelligently to restrict your search to companies for low prices on high quality insurance certified by independent research as offering the lowest rates in the country. This strategy is a double sword. On the one hand you have the assurance that you are a good quality cover, while on the other hand, you are assured of getting the lowest car insurance premiums as a new driver. The problem is that these insurers are hidden in sight, because most people are not aware of the various research findings so that they only the best companies.
