UNFORTUNATELY, young drivers tend to pay over-the-odds for car insurance because of the boy-racer stereotype that precedes them.
No matter how conscientious you are as a young person, all that the insurer cares about is your age, and therefore; experience.
Car insurance premiums have soared for everyone this year, but the young have been hit particularly badly, it appears.
Commenting on the recent AA British Premium Index figures, AA Director Simon Douglas said: “The biggest premium increases are reserved for customers buying TPFT cover, typically bought by young drivers buying cheaper, older cars.”
With that in mind, here are some ‘do’s and don’ts’ to make sure you get the right coverage at the best price possible.
1. Don’t perpetuate the stereotype! By this we mean don’t go for turbo-charged, fuel-injected cars with garish spoilers and alloy wheels, at least for the first two years after passing your test. Instead, aim to drive a car that has a small engine, or is in the lowest possible insurance group – it might not seem as cool to you at the time, but that souped-up Saxo you’ve got your eye on probably won’t seem as cool when you’re looking back in ten years’ time!
2. Don’t commit fraud: If you will be the main driver and/or registered keeper of the car you are insuring, never insure it in your parents’ name and put yourself down as a named driver. This common practice is known as “fronting” and in the event of an accident it could mean the claim is not paid. Worse still, you could be charged with driving without insurance, which won’t help your premiums in the long run.
3. Do your homework: Use the web and see what you can get for your money. Check out the big price-comparison sites like MoneySupermaket and GoCompare, but remember that insurers like Aviva are not on them. Also there are hundreds of articles like this one with tips on how to lower your car insurance premiums, do some reading and see if any of them work.
4. Do compare coverage: Assess the cost of third party, fire and theft (TPFT) cover against a fully-comprehensive policy. It may be cheaper to take out a TPFT policy but this isn’t always the case, as we saw in the latest AA British Premium Index, and you may be able to get better coverage at a similar price.
5. Do ask about the excess: Find out if you can get a cheaper quote if you accept a larger voluntary excess. This is the amount you would pay in the event of a claim before your insurer we pay up. Generally the more excess you are willing to pay, the cheaper the premium will be (although research suggests this isn’t always the case.) You should also be realistic about how much you could genuinely afford to pay in excess charges in the event of a claim.
6. Do prove you are a conscientious driver: Completing a Pass Plus course, which teaches new drivers extra skills such as; driving at night, driving in inclement weather and city driving, will show you are mindful of being a safe driver, and insurers recognise this in your premium.

Though there are perhaps many aspects to modern life which may seem more of a hardship than purchasing a car, the process can indeed be a little stressful sometimes. Of course, learning to drive in the first place is perhaps a process which is more likely to add a touch of grey to your hair, but finding the right vehicle for you can also prove to be a problematic experience which is why Motors.co.uk, a site which is part of the Associated Newspapers company have just introduced a programme which will see the anxiety removed from this procedure. Fitness expert Dan Hodgkin, who is also a trained and revered Tai Chi instructor is to bring his knowledge of ancient Chinese mysticism to the Motors.co.uk site in order to help take the sting out buying a second hand vehicle, and he even has moves under his sleeves which will help you to relax after a long journey.
Indeed, the world of ancient Chinese mysticism might not be something you are likely to consider too often whilst on a long drive, yet thanks to the directions of Mr Hodgkin, you can now cleanse the body and spirit whilst sat in the driving seat, though they do stress that the car should be fully stationary before any of these relaxation techniques are attempted.
Talking about this new promotion, Katie Wardle who is the head of marketing over at the Motors.co.uk website had this to say, “From our research it was clear that buying a car is a major cause of anxiety and the launch of the video guide is a fun way to help our customers to relax and stay calm.” So, should you be looking for a stress free way to buy a vehicle, it would appear that the Motors.co.uk website is the place to go for used cars this month. There is even a Facebook campaign for this promotion, as well as Youtube videos which illustrate some of the moves which will help eradicate stress from the whole car buying process.

Have you ever thought of getting your son a second hand Bentley? Do you realize the importance of having a motor insurance? Even though it’s not a new car, still the chances of mishaps can’t be rejected. A motor insurance can cover liability for property damage and injuries. This is a big factor considering the increasing number of vehicles on the road these days.
In fact, when you buy old cars on sale, it is a must to check what kind of insurance is available already, what the current owner has insured and for how much it can cover. It is always good to have a check done on the car parts inside and find if they are originals and not replaced at any point of time till now. Additional auto insurance can only benefit you and safeguard you from any such deals on old cars, as they do a thorough check and update on the condition of the car and how much they can cover.
In today’s world, buying a car is no more a cheap deal. Considering the vast range of cars available in the market today, one must unarguable look for a car which is in good condition and has a good resale value. Motor insurance can be costly in case they find that the possibilities of damage on any of these cars are quite high. It gives you a parallel idea as to what you are buying and how much you should negotiate on.
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If you are looking for buying a used car, you might have come across the term of salvage title”. The prices set might look tempting and alluring but this is the time when you need to think with your brain, not your heart. There are scores of things to think about prior to your understanding the used car’s salvage titles.
It is not true that used cars salvage titles is bad idea altogether. But you need to be very careful before you come to a decision, that’s it. You should be aware of the pros and cons of getting a vehicle with a salvage title.
I’m not here to say used car salvage titles are automatically a bad idea, but make sure you know what you’re getting into before purchasing a used car with a salvage title.
Here are a few stuff you have to do prior to consider buying a car with a salvage title-
a) Understanding what a Salvage Title is all about.
b) Getting a qualified inspection of the car done.
c) Comparing the savings and future costs regarding the car.
(a) What is a salvage title?
In most cases, a salvage title is given to a car which has more than 75% damage on it as compared to its price. But in some places salvage titles are given to unregistered and stolen cars. So know your laws well. Stay away from stolen cars; it is need less to say. Requirements vary from place to place. Check for the damages as well as the state and local laws before you go in for a car with a salvage title. It is against the law and illegal to sell a salvage title car without informing the customer or local registration law officers about it. Even if you repair a salvaged car, you need to register it as “re salvaged”.
Tips:
-While dealing with a salvaged car or a re salvaged car, make the seller reveal what damages or repairs have been done.
-ask for receipts, maintenance bills, and repair bills from the seller.
-this will be proof that the car has passed the tests of the state or local laws, which need to b e passed by a before selling the car.
-“Car Fax” provides all the information regarding the history of several cars for sale.
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On the Los Angeles Auto Show, which one of the largest and best known in the world were presented some of the newest engines and cars from the manufacturers of the world. The new models of Hyundai Sonata, Chevrolet Volt and Subaru Legacy got all eyes on them during the first day of the motor show. But the top of all was Subaru Outback. Compared to other versions, the European received new grille, revised lower part of the bumper and larger side mirrors with integrated turn signal is them. The fourth generation of the Outback, has received greater clearance and new protective strips. The model will be available with 2.0-liter diesel with a 2.5-liter gasoline and most powerful version will rely on 3.6-liter gasoline engine with power of 150 h.p.
2009 Los Angeles Auto Show also presented us one of the best looking SUVs and the typical American cars Camaro and Ford Mustang.

After the fast development for the cars, in the factory of Siemens were created batteries for the newest electric motorcycle. The Siemens Smart Chopper is the first custom electric chopper created ever. The video from the presentation of the beautiful motorcycle can be seen in the video, which was official review in front of the public of the T V show American Chopper on TLC. The age of environmental cars and vehicles started a little bit late, but for very short time made a great innovations in creating of luxury electric cars concepts and motorcycles concepts. The urbanization made it possible and created such interesting vehicles, just like Siemens Smart Chopper. The motorcycles is made by new and recycles materials with unique design and very good style. The LED lights are created specially for the chopper from OSRAM SYLVANIA, which is one of the Siemens companies. The engine is with 27 h.p. and 72-96 Volts peak electrical output, which gives enough power for 60 miles ride with one charge. Of course you can just install new batteries and continue riding against the wind.