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Reader’s question:
I am 22 years old. I just got my car. I intend to get an insurance for my new car. Is there a way to reduce the insurance quote?
Milky
Thanks for asking.

It can be a roundabout arrangement for young people in the UK.

According to BBC Radio 1’s Newsbeat program, half of those who drive without auto insurance in the United Kingdom are under the age of twenty nine, meaning they are transgressing the law and could see their vehicles seized if caught by the authorities.

Yet for drivers who drive with auto insurance meet sky high premiums as young persons are slapped based on reputation and damning records - figures from a auto insurance intermediary disclose that 38% of 17- and 18-year-old person have made a auto insurance claim as opposed with 20% of those aged over 25.

So what is the remedy?

With police coming up with number plate recognition technology and working in close coordination with insurers than ever before, it is patent that driving uninsured is not a risk worth taking.

So young persons must pursue steps to get cheap car insurance - and it is not an impossible assignment.

Firstly, look around using a auto insurance comparison tool. Comparing quotes from a host of insurers will increase the chance of receiving an affordable arrangement - most of them will also include insurance price from specialist insurers who target young persons.

Secondly, mull over adding an older driver to your insurance. If an older relative is the ‘named’ driver on the insurance it can considerably reduce your price quote - however you should drive safely as any claims will count against them too.

After that, consider having an advanced driver’s lessons. Getting a Pass Plus certificate could reduce your premiums by as much as 35%.

And ultimately, take similar measures as any other driver would to mitigate premiums - increase security, do not change the vehicle and mull over paying by monthly direct debit.

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