Cheap Car Insurance for 18 Year Olds
Finding cheap car insurance for 18-year-olds is, despite occasional opinion to the contrary, reasonably possible. As newly fully licensed drivers operating motor vehicles without the supervision under a provisional licence, 18-year-olds have the most auto accidents of any single age of driver. The excitement of solo driving sometimes banishes all those lessons and cautions that had been remembered so well whilst another driver was present, and that’s when accidents happen most, which is why it might be difficult to find cheap car insurance for 18-year-olds. With patience, though, it is possible.
One of the fastest ways to find what might be considered cheap car insurance for 18-year-olds is by searching for the most basic level of car cover, third-party auto insurance. This cover category meets the legal minimum required by UK law. It provides only liability cover for property damage and bodily injury for others when caused by an accident that is your fault. It provides no benefits of any kind for your own vehicle or your own injuries under any circumstances. Because of its extremely limited coverage package, third-party insurance is often the cheapest. Next up the ladder is the intermediate cover, third-party fire and theft. This cover provides the same liability cover that third-party policies do, but it adds conditional coverage for your vehicle: If you car is damaged by fire, vandalism, explosions, lightning or actual theft, this cover will remit either repair costs or a portion of the car’s value, whichever is less, up to the maximum benefit amount of your policy. At no time, though, does it provide auto accident benefits. If your car is older with little monetary value, one of these third-party policies might be your perfect, cheap car insurance, but most young drivers don’t have the bulk finances to pay for auto repairs. Consider then the insurance category that provides both the most benefits and the most per-pound value.
Comprehensive insurance isn’t always cheap. It can be inexpensive as you gain experience, though. Whilst initial premiums may be a bit higher for 18-year-olds, you can reduce your premium amounts through discount plans and bonuses. Take a moment to consider that large repair bill your third-party cover option doesn’t pay. Only comprehensive insurance will pay for repairs to your own vehicle, up to that maximum monetary value point, in almost any situation: If a tree falls and lands on your vehicle, if a load of bricks mysteriously falls from the sky, if a rabid dog attacks and destroys your tyre, comprehensive insurance will probably cover it. It will even cover repairs to your vehicle if you cause the accident. Because of this own-car aspect, many drivers of all kinds of vehicles maintain comprehensive cover on their auto mobiles to extend the life of the vehicle and reduce their out-of-pocket expenses in any number or types of incidents.
Be honest in any insurance application. Include the bad that may have happened, but don’t forget the good information, too. If you passed the Pass Plus course, include your certificate information. If you haven’t take it yet, strongly consider doing so. When you pass it, notify your carrier with proof. Your affordable cover could move closer to that cheap car insurance for 18-year-olds that you want. Use security devices and park your car in a locked garage when possible. Watch those premiums fall again. Before any discounts take affect, though, you have to find that policy.
Dealing with Rejection
You believe you are and will continue to be a safe driver. You might swear to it. Odds are, though, that most insurance carriers believe more strongly in the statistical data that includes everybody else: 18-year-olds account for most accident claims. Keep searching, though. Either consider a different structure of insurance, such as pay-as-you-go or a monthly plan, until you build a driving history that proves you right.
Keep all your insurance documents, for when you do find that cheap car insurance, you might transfer qualification for a safe-driving bonus if you can prove the number of months you drove without an accident. Cheap car insurance for 18-year-olds is possible. You just have to channel that enthusiasm into diligence and patience.