Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

Introduction

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

Become a Named Driver on Your Parent's Car Insurance

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper insurance in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.