Cheap Car Insurance for 17 Year Olds
When you are within two months of your 17th birthday in the UK, you can apply for your provisional driving licence. Until you are actually 17 years old, though, you cannot drive. As a provisional driver, you must have insurance to drive legally in the UK, in addition to meeting other stipulations. While you are learning to drive, you must have in the vehicle a licensed driver who is at least 21 years old and at least a three-year driving history.
Once you pass the written, theory test, which judges your understanding of traffic laws, recognition of hazards and comprehension of driving behaviour, you can attempt the practical test – the driving test, which is often challenging for most young people. It’s not unusual to take the practical test several times before passing it. Once you pass the practical test, you are still considered an inexperienced driver, and finding cheap auto insurance as a 17-year old can be frustrating.
However, driving without insurance is both impractical and illegal. Driving without cheap auto mobile insurance for 17-year-olds can result in large fines, penalty points on your licence and possibly legal action against you. If you are in an accident, you will be responsible for all costs associated with it. If you accrue six penalty points on your licence, you might be disqualified to drive during the first two years following your practical test. Carrying cheap auto insurance for 17-year-olds is vital to protect your driving future.
Cheapest Cars for 17-Year-Olds
Thankfully, new, provisional drivers can avail themselves of cheap vehicle insurance for 17-year-olds. Keep your locked car in a secured garage at night, or if that’s not possible, park it off the street in a well-lit area. Utilize such security devices as immobilisers, car alarms, vehicle trackers and even high-performance locks on your vehicles to reduce the risk of theft. Any risk reduction measure will reduce your premiums and make car insurance for 17-year-olds more affordable.
If you purchase a car, you may need comprehensive insurance if you get a car loan. Comprehensive car cover provides the widest blanket of benefits, but it’s more expensive than basic insurance. Buying a cheaper, smaller, fuel-efficient vehicle will reduce premiums, regardless of the type of insurance you obtain. To keep your payments as low as possible for your new driver insurance, reducing risk profiles includes buying a low-risk vehicle that manoeuvres easily.
A modified or mechanically adjusted car may take affordability out of the picture for 17-year-olds, and some providers won’t insure these vehicles for a provisional driver. Keep cheap auto insurance within reach by buying a smaller, cheaper vehicle, utilizing every method possible to reduce your risk of vandalism or theft, and above all, driving safely.
No Claims Bonuses for Learners
One of the key factors in finding the cheapest auto cover available to 17-year-old drivers is to focus your insurance search to those providers who specialise in young drivers. These insurance specialists rate your higher driving risk differently than other providers, and they often offer the cheapest policies in your area.
Many providers permit new, provisional drivers to begin qualifications for the coveted no claims bonus while in their learning phase. A no claims bonus is awarded on your next policy cycle when you complete a full policy term without filing a claim to your insurance company. If you maintain cover with the same company, a no claims bonus can accrue into discounts of hundreds or thousands of pounds every year, so long as you don’t file a claim against your policy. A no claims bonus means that you drove safely, and your insurance company is very willing to reward you for that behaviour with lower premiums.
Practice good shopping skills by comparing rates among several insurance companies simultaneously. When you have multiple quotes to examine, you can easily see the best insurance policies for 17-year-old drivers to find the lowest price. Take every opportunity to further reduce your insurance costs with the risk-reducing security measures. Paired with no claims discounts, your dream of cheap car insurance for a 17-year-old driver can easily be a reality.