I’m under 18 and im getting ready to get my provisional drivers License. They said i need proof of insurance to get my license. But how do i get insurance if i dont have a car?
I know people usually are supposed to be added to their parents insurance policy to take care of this, but my parents dont have drive or have insurance…….. What do i do? Ive heard that i should get an uncle or grandparent to add me to their policy, but is that true?
Help me out… thanks
The title is a bit of a contradiction in terms, as insurance is never going to be all that cheap for young drivers! But there are steps a driver in the high-risk group can take to save themselves a little cash on their premiums.
Firstly, the Pass Plus training course can knock as much as 35% off your premium with some insurers. It’s an intensive course designed to give the driver more confidence in driving in adverse conditions and motorways. Motorways are one of the things a new driver has the most trouble with, so a course which covers motorway driving is a very good idea if you’re worried about it.
Being a little more generous in your initial outlay can prove profitable. For example, raising your voluntary excess by a couple of hundred pounds can save you a substantial amount on your monthly premiums. Conversely, paying your whole year’s premiums off in one go can not only get you cheap car insurance by cutting out the monthly interest charge, but will save you having to worry about it for the rest of the year.
Secure your car against theft and damages, and if possible, lock it away when not in use. Obviously, not everyone has a garage or private driveway with a gate, but if you have a relatively expensive car and a high excess, it may be worth investing in hiring a garage close to home. If you can’t do this, then fitting an alarm, immobiliser and tracker device to your car will also lower your premiums.
Get the minimum cover for your needs – but shop around. When I was looking for cheap car insurance for myself, I found that a fully comprehensive policy worked out cheaper than a third party, fire and theft one. Bear in mind that you need at least third party only to be legally insured in the UK. Obtain quotes for all levels of cover, but make sure it covers all your needs.
If your finances (or those of your kind parents) will allow it, think about buying a brand-new car straight from the dealership. Most new cars these days come with as much as 3 years of free insurance, which can be helpful in building up your no-claims bonus ready for when you have to start paying for it. Having a no-claims bonus is a sure-fire way to get cheap car insurance as it is proof you are a safe driver.
J Tillotson is a financial author based in the UK
I am getting my license tomorrow and I am not on my dad’s insurance policy yet. His car is insured though. Do I have to be on the policy to get my license or does the car just have to be insured? This is for California.
I’m looking to buy a car insurance policy since i just purchased a newer car here the other week, I’m 22 and my driving record isn’t the greatest. It’s all speeding tickets, no DUI’s or accidents. I’m looking for car insurance thats for high risk drivers, I’ve heard people talk about it and all I can seem to get is geico or other sites like that. anyone have any idea’s?
Car insurance for a driver is must in all states in United States and every state has their own car insurance laws and you are supposed to abide by the law of the land. Although in majority of the states, the premium amount for car insurance is very high and therefore for getting an affordable…
RSS Feed
Twitter
Posted in 
Tags: