How to get a cheap car insurance as a student

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The owner of the car is not cheap, so

However, car insurance is the greatest leakage for any young driver, as premiums are generally higher when you are less experienced on the road for obvious (but nevertheless some bad) reasons

Given this, we thought it would be worth looking at some of the ways students could significantly reduce the insurance premium

What's in this tutorial?

How much is the car insurance cost?

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You can easily shoot more than you need, just because you chose a type of cover that is not suitable for your particular situation

The cost of your overall insurance package depends on three things:

We will go through each of the above points to help you make the best decision and keep your insurance costs

How to choose the correct level of insurance coverage for the car

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There are three main types of car insurance, which can be selected from:

The third party is only car insurance

This applies to damage and medical claims

If your machine is damaged, you will unfortunately have to cover the expenses yourself (making this case different for old banners, but perhaps not the best choice if you have a new pride and joy)

Third party, fire and car insurance

This is probably our top cover for the students ' insurance coverage. The TFF cover can often be the most widely available option, but also offers the theft of the cover-which may be important if you are

Remember that you are still not covered by the damage to your car with this option if you caused an accident, though

Full insurance of the car

This option has been completely covered-if you are an accident or a victim of one, your car, their car, and both your medical expenses will be covered (up to a certain point, of course)

If you are prone to an accident, we recommend that you get an exhaustive cover to pay for damage-skimping is now only to save an immediate tank or two may mean that you will be done after you have to unload later

The trick is just to be absolutely honest with yourself and the insurer, because honesty is a long way in the insurance game

The obvious assumption is that the cheapest option is third-party insurance, as it offers the least amount of cover, but not cheating!

Some students reported that they had saved up to Pound1000 only by switching from a third party to a comprehensive cover, so that there were no assumptions. The only solid advice we can give you here

Is car insurance cheaper?

Instead, we recommend that you go to a more specialized policy that gives you the chance to reduce your premiums or because of this

There are two key policy types:

That's how they work:

Pay as a disk (PAYD)

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This option is largely the same as for a mobile contract-you only pay for the cover, as and when you use your car, which is a great option if you use your car not often

As mentioned, this option assumes the presence of a device installed in your car, which tracks how far and how often you drive, and charge you according to this (some insurers charge for sending an engineer to a black box, so be aware of that)

Here are some of the options currently available in the PAYD market:

Pay as you drive (PHYD)

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This option also includes a box with a GPS attached to your car. PHYD is almost the same as PAYD, and between these two crossover crossover lots, but PHYD is usually more focused on how safe you drive, unlike how many kilometers you do

These black boxes are looking for a number of factors, including acceleration, braking, backlight speed, and much more to determine what type of driver you want, and to establish your bonus accordingly

You want to be a safe driver? If so, it could be for you!

The best pay for the way you go through all the options:

However, it should be warned that while good driving is rewarded by telematic insurance,

Temporary insurance for students

Short-term or temporary vehicle insurance will cover you if you only manage for a short period of time. For example, you might not want to take your car to university, but you still want to run it when you're home for the holidays

With temporary car insurance, you can usually insure anything

You have been warned that you are now legally obliged to insure any registered car, even if it is locked in your parents ' garage and is not going anywhere within the time limit. The only way to work around this is if you get the DVLA-for-security notification (SORN)

Note the temporary insurance

Can you use your parents ' insurance instead?

If you are the main driver of the car (the person who uses it most), the insurance must be in your name, although you can add your parents to it as named drivers. It means you can't just add yourself to your parents ' insurance in the hope that it will cover you in your own car

If you don't want to lure the car for the whole year, when you're only planning to drive a car, when you're home for the holidays, then maybe you should consider selling your car and just grab a cover that lets you drive your parents ' car (if they allow you, that is!) during the summer months

A trick to compare cars

Once you've chosen your level of cover and the type of prize you're going to go to, it's all about hunting for the best piece of work

Because there is only one on each comparison site

We tested and tested the following method, which includes several

Just remember to keep track of all the best prices you'll sing when you perform a comparison to help you make a decision at the end



Look at the Straight Line

Using our quick compare trick, you'll be able to whitash your options down to a few. After you've tried to do this and have a list of the best options (plus any pay, as you can control the options that might interest you), you can jump over the phone and

8 ways to reduce the cost of your auto insurance

A great way to save money for your student car insurance is that it takes time to reduce the risk, or, in other words, to show the insurers that the odds of you standing up for them are slim

All you do is convince the insurance company that you're a safe driver, and you risk filing a lawsuit with less risk (no lying). It could

Ask for a discount

Insurers are simply dying to get students to their books, so use this for your advantage!

There are some discounts that you might be entitled to, so don't forget to mention them in time

Select a higher level

The insurance of your student car is the sum that you are willing to pay for your own pocket if you get in the accident in which you are to blame

For many students, the excess will be installed at a certain level. For example, if your excess is £ 500, and you get in an accident that damages £ 3,000, you'll have to pay £ 500 for your own pocket before the insurance company starts coughing up the rest to cover the repairs

If you're a volunteer

So it's important to be realistic here, because you don't want to waste your hard work trying to save money to spread large cash if you have a meltdown

Do not add changes

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Spoilers, neon lights, tinted windows ... none of them are a good idea in terms of insurance (none of them swallow hundreds of foreign toys until painstaking work is FYI). Not only are they not impressed by the general public, they are not impressed by the insurers!

Their assumption is that your car will be

Let' s take the pass

The "pass plus" tests are government tests that offer new drivers a chance to show that they are confident in different circumstances on the road.  Taking the plus, you could

There is no cost for the Pass Plus scheme because it depends on your instructor, but we estimate that you will probably pay

Out of roads and security

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If you can

You can also reduce your expenses by improving your car's overall security. Take the wheel and the alarm, and make sure you tell the insurer about them!

Build a rebate without claims

If you never had a crab, you'd be built without a bonus. If you save once for six years, you may even have the right to do the same

Most students will not travel long enough to receive a massive bonus without claims, so this is more just head for the future-another reason to avoid any bastard on the road!

Add the named driver

We just have to emphasize that you can't name an experienced driver

Pick a right car

University car clubs

Check whether there are car clubs in your university or in the area. This mainly allows you to hire a car at the university on a short-term basis, so that you benefit from driving without having to fork for a car and insurance

Common errors in car insurance to avoid

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Never put someone else as the main driver

This may seem like a good idea to add one of your parents to an insurance (absolutely legal) and call them the main driver to bring the value down (

The effect of this trick is a high fine, good policy and a black mark for future insurers-simply not worth it!

Don't lie to your insurance application

A small white lie in an insurance application might seem like a good idea to make extra savings, but that

Never update the policy

You think the possibility of automatic renewal of your policy with the company is a good deal, but it is exactly how they sting you! The insurance companies increase their prices at their prices each year, and they count on your complacency as a way to earn cash

No backup to get a lower bonus

If your car costs £ 6,000, you need to insure it for that amount

To see that your car is worth less, of course, you will bring your bonus down, but if your insurer can catch up to your game, they will not only pay less for any damage, but they may even give up their policy

Don't go to the cheapest insurance

As we mentioned, third party insurance might seem like the best and the cheapest option at first glance, but in reality it may lead you to pay more money to cover yourself if you are involved in any accidents

The trick, as always, is to do your research and do it thoroughly!

Do not pay monthly payments

We know it's a big question to pay for the whole year, but unfortunately, if you decide to pay the monthly payments, you can pay anything

If you can't afford it all in one case, think about paying her 0%

Don't let the insurance down

Yeah, we know we're a little bit complicated, saying you don't have to automatically update your policy, but for now

Protect yourself by setting a calendar reminder a

Don't assume you can drive your friends ' cars

This is a major mistake for a schoolboy. It's a total insurance policy

It goes without saying that all the options and hints given above always have to be sure that you are fully checking your cover. Make sure you read it

Think about what is important to you, and decide on the cover according to your needs, not just a valuable price!