| I can remember it well. Passing my driving test was | | | | into the good books of insurance companies and |
| perhaps the single most important day of my life. I | | | | methods to lower your early quotes. One of the first |
| was simply overjoyed, no, overwhelmed, ecstatic, | | | | tricks is to forget the snazzy sports car as your first |
| elated. In fact, I was so thrilled at having passed first | | | | purchase. It's always wise to go for a car that has a |
| time that I gave myself a throbbing headache with all | | | | low insurance group number both for safety and cost |
| the overexcitement, but who cared. I had arrived. | | | | reasons. If you are purchasing in the UK, these |
| Look out girls, the new man about town will be | | | | numbers range from 1 to 20, and the higher the |
| cruising down a street near you! | | | | number, the higher the premium. So, it's important to |
| Alas, it wasn't so long after that that the bubble | | | | narrow down your first choice of car by the |
| popped and the realities set in. Oh, I had saved hard | | | | insurance group number. Higher numbers are usually |
| enough and long enough with my part time work to | | | | determined by a few factors including bigger engines, |
| buy my first motor, but being a young and | | | | faster vehicles, and a higher price tag etc. |
| inexperienced driver meant that finding affordable car | | | | A low insurance group vehicle on the other hand, is |
| insurance was not going to be an easy task. Actually, | | | | obviously cheaper, smaller and less expensive. Ok, so |
| some of the early quotes I got worked out more | | | | this probably means your first wheels are not going |
| than what the car was worth. Can you believe that! | | | | to be the lady puller you hoped for, but be a little |
| Good ole dad came to the rescue and gave me a | | | | patient, play by the rules, and you'll be getting your |
| much needed reality check. First he explained why | | | | experience and no-claims bonuses banked in no time |
| car insurance for young drivers was so pricey, and | | | | at all. Another advantage of purchasing from the low |
| then he gave me some real useful tips on how to | | | | insurance group is that you will be looked at as a |
| adjust to the situation so that I can get my first | | | | responsible kid by the insurance company. Many folks |
| motor and gain some much needed experience. | | | | stay with the same company or broker for years |
| Here's what he told me: | | | | and once they build up a good relationship with the |
| The first and obvious fact was that young drivers, | | | | insurer, there are some great deals and discounts |
| and in particular young male drivers, are among the | | | | offered over time. |
| most reckless on the roads, therefore making them | | | | Another cost cutter is to purchase only third party |
| a high risk to the insurance companies. As the | | | | fire and theft insurance which will drastically reduce |
| insurance business is out to make money, many are | | | | your premium. If your first car is old and inexpensive, |
| reluctant to hand out policies to young drivers. Many | | | | maybe you don't need to take out fully |
| will deter you by offering a ridiculous premium that is | | | | comprehensive cover. However, if you have spent a |
| well out of the reach of Joe the average teenager, | | | | fair bit on your first motor, then only fully |
| or they will simply refuse to quote. | | | | comprehensive will do of course. |
| My dad went on to say that there are ways to get | | | | |