Getting affordable car insurance as a young person can be pretty frustrating. Most insurers quote high prices for this group of drivers and getting a good deal can be nearly impossible. However, there are a number of things you can do to get a lower insurance.
Type of car: Insurers fix their premiums according to the type of car you are getting cover for. You can get a good deal if you have a small car as well as one whose market value is not high. Moreover, you will pay less for a small engine car which has a lower litre capacity.
Limit your mileage: Reducing your driving hours per annum can also accord you a lower rate. Also, avoid driving during rush hours or at night. A good way of reducing your annual mileage is to have scheduled driving times, for example, only during the college term.
Avoid modifying the car: While upgrading your car with new sound systems, rim tires and other entertainment gadgets can be good, it can impact negatively on your insurance. Thieves are more attracted to cars that have been upgraded and this is why insurers impose higher premiums on such cars.
Agree to a curfew: Some insurance firms offer lower rates for drivers who agree not to drive during particular hours. These are usually the rush hours as well as at night.
Increase your car’s security: Taking extra measures to improve your car security, for example fitting it with instant brakes, installing alarms, fitting safety bags and others can be considered by your insurer.
Park your car in a safe place: If you park your car at a home garage, you are likely to get better rates than if you usually park it in the open. If you are in school and there are no garages, make sure you park it where there is adequate lighting or where other cars are parked.
The above are some of the methods that you can use to find car insurance rate. Apart from the above, it is good to have a good driving history and only take a cover that is necessary. Avoid optional covers as these will increase the amount of premiums you pay. Finally, pay for the insurance all at once. Avoid paying in instalments as this will increase your interest charges.