I remember quite vividly back to the days when I passed my driving test. It felt like it was the most wonderful day of my life where nothing or nobody could upset me no matter what! Just a couple of days later I was fed up and frustrated that I couldn't drive. Oh, I could afford to buy an old banger, that wasn't the problem. The dilemma I was facing was the vehicle insurance. Apparently, when you're young (and especially male), and have limited experience, the insurance companies put you high risk and for many new drivers, they just can't afford the vehicle insurance even for old, smalls, slow speed cars.
Unfortunately, some folks, both young and old, resent paying out for vehicle insurance and sometimes, some people take the risk and drive their motors without it. This is a very bad decision and the time when sods law most likely gets you involved in an accident. Like all insurances, we quite often see years pass by where we have had no call to claim on them, but we are so, so, glad that we kept out insurance active when an incident requires we need its cover.
Vehicle insurance costs are pretty high in the states and Europe, and a lot of this is not due to genuine claims on accidents, but false claims on both accident damage and theft. Of course, accidents do happen, and this contributes to the pricing of insurance fees, but there are so many fraudsters out there today whose main missing is to try and rip off the insurance companies. The problem is so severe, that most insurance companies employ their own investigators as a force to look into the legitimacy of all claims.
My grandfather always used to joke about why vehicle insurance was cheaper for woman than men. Apparently, it's a fact that woman have less accidents than we chaps do, but my grandfather used to say; "Son, they may have less accidents than us fellas, but if they took the time to glance in their rear view mirror once in a while, they would see that they leave an awful lot of accidents behind them".
But joking aside, the secret to finding the best vehicle insurance is to shop around. This has never been easier as we can now search online from the comfort of home. There are some insurance companies that specialize in cover for new drivers and teens. There are also companies out there that reward careful drivers of advancing years. In fact, there are lots of deals out there for all kinds of drivers. Alternatively, you could submit your details to an insurance broker who will do all the shopping around for you. Obviously, a broker will take a small fee for doing this, but shopping around independently can be a time consuming and frustrating task.
If you are a new driver, you may be tempted to get added to the insurance policy of your parents or older brother or sister, but this is not really ideal as it's their policy not yours. What I mean by this is that in order for you to get your vehicle insurance down, you need to be diving on your own policy in your own name. There is nothing that brings driving insurance down more than years of accident free motoring, so the sooner you start, the sooner you can get that darn cost down. Quite often, new drivers can pay more for their annual vehicle insurance than they do by their first car.
Just remember, it doesn't matter who you are, where you live, or what you drive, there is always a better vehicle insurance deal out there if you just look for it. With a little effort on your part, or a trusted broker, you can find the best prices
