Car Insurance Under 25

Teenage drink drivers cause 100 road deaths on the road every year in the UK and, according to a recent survey conducted by the road safety charity Brake and Co-operative Insurance (CIS), one in five young motorists (aged 17 or 18) admit to drink driving.  These are not new statistics, with insurance companies and independent surveys showing the same type of results consistently. This, and many other studies, contribute to the reasons why car insurance for those under 25 are so high.   However, car insurance for under 25's can be much lower and there are insurance companies who will offer some grace to young people. To find these insurance companies and the deals they offer you have to do some extensive shopping on the internet.   Comparison websites on the internet are very helpful in finding good car insurance for under 25's, however many comparison websites have insurance companies as clients and so will push business their way. This might not mean that these insurance companies actually offer the best price. What also may happen is that an instant quote you get on the internet may have a higher excess built into it, but if you get on the phone and receive a quote for a much lower excess you will end up paying what you would through any other insurance company anyway.  When comparing quotes you need to make sure that you 'level the playing field' so to speak, by deciding on the kind of excess you would like to pay and ensuring that all the quotes you receive have the same excess. Furthermore, you should look at the perks and extra services an insurance company gives you and make sure that you're not paying for services you don't need. Again, when comparing, get all of the extra perks deleted off the quote so you're dealing with the bare basics. You can then compare from there.  Once you have a few comparison quotes you can begin to negotiate with the insurance company to lower your premiums. Here are a few tips to help you do that:  1)    Negotiate your mileage If you're still a student or you're not planning on driving the car that much in a year, talk about how much mileage the quote covers. Most quotes are assuming you're going to do the average, or more than the average, a year (about 8,000 miles to 10,000 miles) but if you're going to do less than this then you should be able to pay less too.

 2)    Consider where the car is being parked If your car is parked in a garage or a safe place day or night, then you need to make mention of this. Your insurance premium will definitely drop if you are able to lock the car up at night. But even a safe place during the day may contribute (if you work in a safe office park etc.).

 3)    Consider an alarm If your car has an alarm or immobiliser there is no reason why the quote shouldn't be less. Even a gear-lock or krooklock should contribute to a much more reasonable insurance policy.  These three tips are a great starting point in seeing how the quotes can change. Soon you will be able to find reasonably priced car insurance for under 25's.