Car Insurance Premiums Set To Rocket! Can You Save Money On Car Insurance?

If you are under the age of 25 or a newly qualified driver, your insurance premium is going to cost more than an older, more experienced driver's would. The reason for this is partly because it is statistically proven that inexperienced and younger drivers are involved in more accidents than drivers who have been driving for some years. Due to the potential for a higher number of insurance claims to be made in the 16 to 25 age group, UK car insurance premiums are higher for this group.

As I have mentioned before the postal code where your car is stored overnight is one of the critical factors making up the overall cost of your car insurance premium. Speeding and otter offenses can also increase your car insurance quote, but many car insurance companies now state that they will not necessarily penalise mature drivers for a single speeding offense, providing the offense was not a major one. The most common of these speeding offenses is speeding in a 30 or 50 zone. It is likely that your overall premium will remain relatively unaffected by just one such offense on your license.

Naturally should you add a turbo to a non turbo car, lower your cars suspension, remap the ECU or replace the cars engine with a more powerful one your insurance premiums will most likely increase substantially. You are required to notify your motor insurance company each and every time you receive a penalty on your driving license or modify your car. Likewise I also suggest that you remember the following fact; there is almost always a specialist insurer who will want YOUR car insurance business so always shop around and get a few quotes before you commit to buying.

There are several things you can do as an inexperienced driver to help reduce the amount you pay for your UK car insurance cover. Should you successfully manage to get through approximately 2 years of trouble free motoring, not only will your No Claims Discount be worth money to you in the form of cash savings on your insurance premiums, but they could be worth up to as much as 60% discount on your premiums!

Here are some ways to help you keep the car insurance premiums as low as possible when your just starting out:-

? Take the "pass plus test" to increase your driver's qualifications and reduce your premium
? Choose a 1 liter car instead of a larger car as the cost to insure a smaller car is less
? Keep your driving record clean by avoiding license points and on the spot fines
? Be insured as a secondary driver of a more experienced vehicle rather than the primary driver of your own vehicle and save considerably on UK insurance.

There are several companies who specialise in providing UK insurance cover for younger or the more inexperienced drivers, but that doesn't necessarily mean they can provide you with the cheapest rates. Always take the time to shop for your cover and fine the lowest, most comprehensive cover. I would suggest that you get a quote from at least two of the following insurance sites and don't forget to read more of my blog's on how to get not only the very best deal on your motor insurance, but also what to look for when it comes to value for money, wasted money and great extra benefits for very little additional cost.