Why Honesty is the Best Policy with Car Insurance Quotes

If you are a young driver either learning to drive or if you have just passed your test recently, then the business of getting car insurance quotes is likely to be a new one to you. Sadly, the truth of the matter is that as a young driver (especially a young male driver) you are statistically the most likely demographic to have an accident.

Insurers work with probabilities and therefore, even if you are a very careful driver, you will still get stung with higher car insurance quotes than more mature drivers - that's just the way life is. Increasingly, young drivers still reliant on their parents are showing a prevalent streak of "fronting" which is not only dishonest, it is also illegal.

The practice of "fronting" is when a parent volunteers to be the main driver on their child's car insurance policy and then nominates the child as a named driver. All along the car belongs to all intents and purposes to the child, and the young driver is the main driver of the vehicle. Parents create a "front" that they are the chief user of the vehicle, when in fact the intention is for the child to be the primary driver.

Although this practice will undoubtedly bring down the cost of insuring the vehicle, "fronting" is an act of fraud and is a prosecutable offence. Insurers are getting wise to the technique and if caught "fronting" not only will insurers refuse to pay for any claim made, you could also be sent to jail for breaking the law.

A much smarter idea is to make use of one of the many price comparison sites to find cheaper car insurance quotes. A number of insurers now do special deals for first-time customers and young drivers which will reduce the cost of insurance. Young drivers can also save up to one third off their insurance cost if they complete their Pass Plus licence, which involves some extra driving lessons in special conditions such as night-time driving.

Car insurance quotesare made as part of a contract based on trust between the insurer and the insured. It is the duty of the insured to be honest with the insurer. Fronting may save you some money in the short term, but ultimately could end up costing you dearly when it really matters.