Owning a car is typically a symbol of freedom, being able to go where you want, when you want. It means you’re able to work further away from home and opens up a world of opportunities. That’s what the idea was for me when I started driving it sounded like a great turning point but then I noticed how much driving actually costs!
With the usual petrol prices being pretty steep when I thought that it may be a bit pricey but didn’t really intend to drive much more than I needed to as I wasn’t one for driving for the sake of driving. The problem is for a car to be road legal in the UK there are other expenses that quickly start to mount up.
Car tax is one expense that could become a larger or smaller problem depending on your vehicle. New green initiative have brought about a change in how car tax is valued so that you pay more if you drive one of the gas guzzlers or vehicles with poor emissions. Those drivers who drive smaller and more economical vehicles will enjoy a lower tax cost. It is thought that as more and more hybrid and electric cars become more prevalent that there will be some vehicles that may have very little to pay in the way of car tax.
One of the biggest expenses, especially for younger or newly qualified drivers is car insurance, unfortunately car insurance is all determined by risk, or how much of a risk you are to insure. So drivers with little experience or younger (typically more reckless) drivers find that they get saddled with high car insurance quotes.
Fortunately there are a few specific insurers who cater for younger drivers, there are even insurers that only cater to female drivers and so if you’re a young female then there’s every chance you can get a decent deal on car insurance if you look around. This goes for the guys out there too, looking around and not just accepting the first quote is pretty important these days and a common practice so get used to it now!
Getting quotes from a number of insurance providers and then even playing them off against each other by saying you can get it cheaper at another supplier there’s a chance that they may price match, they could just refuse and tell you to go with the better deal but at least you haven’t lost anything. Check with other friends and family members as to which insurers they are with and whether they are any good.
With the cost of a 17 mile journey now estimated to be costing the average driver £108 (including road tax, petrol, insurance and depreciation of you vehicle) you're bound to spend a little less than that if you shop around and maybe aim for getting a cheaper to tax smaller car. If you try these tips and read up more on the subjects mentioned there are plenty of opportunities to save money on your car.
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