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Tips for getting car insurance after passing your driving test
Owning and running a car is an expensive business. You will be paying out your hard-earned cash year in and year out for various items including insurance. Statistics show that we are much more likely to suffer an accident within the first two years of passing our test and insurance firms take advantage of this by applying higher insurance charges to new drivers. So how does a new driver go about finding cost effective car insurance?
Most peoples first port of call is the Net. These sites afford you the power to input all your details and then show you ensuing costs. This is great for people that have been driving for a couple of years and have the finances to choose their automobile of choice; however for those new drivers on the 1st rung of the ladder in respect of driving experience, it may not be the right way to start out. Remember, these sites are computer automated and they are relying on the data you give them, talking to a "human being" might result in a superior deal.
For example: - If you are fortunate enough to be well placed to buy a car then a consultant at an insurance company would be able to discuss with you the best options before you invest. Age, engine size and various other factors, establish premium costs. You may love the "old banger" you can afford outright but the plain fact it is "old" may cost more than if one was to look towards getting finance on a more modern car.
Cheapest doesn't always mean the best. You ought to have a full understanding of what "Third Party" and "Fully Comprehensive" means should you be tangled up in an accident and it would be prudent to have a look at what an insurance company offers long-term. As you start to build "no claims bonuses" you will be able to get better discounts on your annual fee.
Some corporations will also offer an improved deal to people who have undertaken and passed further driving courses like "Pass Plus" or consent to have a monitoring box fitted their automobile. Pass Plus gives new drivers experience in areas with more risk factors like night time and motorway driving, whereas the monitoring box limits these risk factors while a new driver gains experience.
Most peoples first port of call is the Net. These sites afford you the power to input all your details and then show you ensuing costs. This is great for people that have been driving for a couple of years and have the finances to choose their automobile of choice; however for those new drivers on the 1st rung of the ladder in respect of driving experience, it may not be the right way to start out. Remember, these sites are computer automated and they are relying on the data you give them, talking to a "human being" might result in a superior deal.
For example: - If you are fortunate enough to be well placed to buy a car then a consultant at an insurance company would be able to discuss with you the best options before you invest. Age, engine size and various other factors, establish premium costs. You may love the "old banger" you can afford outright but the plain fact it is "old" may cost more than if one was to look towards getting finance on a more modern car.
Cheapest doesn't always mean the best. You ought to have a full understanding of what "Third Party" and "Fully Comprehensive" means should you be tangled up in an accident and it would be prudent to have a look at what an insurance company offers long-term. As you start to build "no claims bonuses" you will be able to get better discounts on your annual fee.
Some corporations will also offer an improved deal to people who have undertaken and passed further driving courses like "Pass Plus" or consent to have a monitoring box fitted their automobile. Pass Plus gives new drivers experience in areas with more risk factors like night time and motorway driving, whereas the monitoring box limits these risk factors while a new driver gains experience.
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