When you’re a student you need to save as much money as possible, as that student loan isn’t designed for a jet set lifestyle. If you’re lucky enough to be a student with a car, then there are two downsides – firstly, it can be immensely difficult to find a quote for cheap car insurance and secondly, all your mates will want to use you as a taxi to get them to lectures on time!
Young drivers have their work cut out when it comes to finding a cheap quote for their car insurance, because younger people are statistically more likely to have an accident, so the premiums are much higher, especially if this is your first car.
So, just how do you go about finding a cheap student car insurance quote? Are there any ways to bring your premium down? Here are a few tips to help you get a cheap car insurance quote.
First of all, get the cheapest quote you can using comparison sites – this will give you an idea of how much your premium is likely to be. Many insurance companies who specialise in student car insurance will be included on these comparison sites, look out for companies like Endsleigh Insurance, who have policies that are designed especially for students. These premiums mean that you only have to pay for what you need, not all those fancy extras that you’ll never use. You can also try going direct to these companies to see if they will give you a cheaper quote by going directly through them.
There are also some ways that you can help to bring your premium down. If you’ve just passed your test, opt to go for the extra courses, like Pass Plus, which will prove to insurers that you’re a responsible driver and you’ve had experience driving on motorways. Also, opt for a car that’s cheap and unmodified. There are several economical cars in the lowest insurance band, so it’s worth finding out what these are before your buy.