Every year thousands of young drivers are arrested, given points on their licenses and even fined hefty sums, because of the failure to take out insurance on their cars. Given that the price of car insurance increases year on year, this trend comes as no surprise. For a young person who is probably in full-time education and has very little income, taking out a seemingly affordable offer from swiftcover car insurance may even seem to be a financial mountain to climb.
However, it must be kept in mind that as with most things in life, there is a great deal of responsibility when it comes to driving. Responsibility comes in the beautiful form of having car insurance. All drivers pose a certain level of risk to others, none more so than young drivers! Lack of experience combined with limited knowledge of common mistakes made by other drivers and annoying habits of pedestrians, young drivers pose a great deal of risk on roads.
As such extra care must be taken by young drivers. Insurance companies are well aware of the risks, and therefore quote higher prices to young drivers. Young drivers must also take extra care when choosing where to get their car insurance from. Here are a few things young drivers need to know when choosing which insurance company to take a policy with.
Always read the small print
Ever spent time reading the terms and conditions part of a product or service you’ve purchased? No? Well, we’re no angels but we can certainly say we have! But only for important things like our car insurance! To be sure the amazing car insurance deal you’ve spotted is provided by a reliable company, you will have to do something quite laborious reading. Skim through terms and conditions every once in a while, you’d be surprised to find the range of circumstances you will not be covered for.
Recommendations and Reviews: Check them out!
So you’ve seen a great car insurance deal online, from a company you know very little about. Well just as you would trawl the web for as many glowing or terrible reviews as you can find, before putting down a payment for a table before booking a swanky restaurant uptown – the same level of precaution and care should be taken when taking out car insurance! Not only must you check comparison websites for reviews, be sure to request a record of how many complaints have been filed against the company and what the general level of customer satisfaction has been. Such information can be provided by your local authority or a national insurance governing body.
Don’t rush, just compare, compare and compare again
Becoming a new driver can be one of the most exciting times in one’s life. In all the excitement, do remember to take some time when choosing which a car insurance deal to go with. There is no point in rushing to buy the first quote you see or are given, just to later find that you’ve been on the wrong policy all year. There are hundreds of insurers so save money by shopping around and being inquisitive as possible before settling with one particular quote.