The right car insurance for the right time

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Car insurance can sometimes be expensive, with a variety of factors often having an impact on premiums. For example, the age of the person will always play its part when it comes to buying car insurance, as will the car type and gender.

When looking for the right motor insurance quote from Swinton, whether for yourself or for a child fresh from passing their test, there are a variety of factors to consider. Here is a quick guide to the various points you need to consider, to make sure you get the right insurance at the right time.

The right car at the right time

If you’re a parent looking to purchase a car for your child who has just passed their test, there are a variety of factors that come into play. Safety is always right up there, suggesting that you’ll want to buy something fairly new that promotes safety, rather than an old banger. However, opting for a car with a larger more powerful engine will instantly push up the premium.

Statistically speaking, younger drivers are more likely to have an accident. So, it’s for this reason premiums are high in the first few years of driving. It’s important to avoid opting for something too powerful, which could be considered more likely to contribute to the chances of an accident, pushing up your premium as a result.

The gender issue

While younger drivers have always been viewed as more likely to have an accident, more often than not, it’s younger males who are involved meaning their premiums are much higher. However, this is all set to change on December 21st following an EU ruling which bans insurers from discriminating between men and women. The upshot of this is that car insurance for young men is set to drop, while for young women it could be on the increase.

If your son or daughter is about to take their test, this is a factor that you’ll need to consider before they get a car of their own.

Proving to be a safer driver

A good option for young drivers fresh from their L Plates is telematics insurance. This involves a small box being installed in the car which measures data of how the person is driving. Having the device in the car makes it possible for the driver to prove how safe they are on the road. The upshot of this is that when it comes to their individual insurance premium, this will be based on how they drive as opposed to how the average driver is on the road.

For parents trying to save money and promote conscientious driving, this could be the perfect option.

It can be a difficult and stressful time once teenagers pass their driving testhowever, by making the right choices , you can keep themsafe on the road, as well as securing cheaper car insurance further down the line.