Cheap Car Insurance For Young Drivers Without A Black Box

Introduction

Young drivers often find themselves in a difficult position when it comes to car insurance. They are generally seen as high-risk drivers, due to their inexperience, and are often hit with high premiums as a result. One way that insurers attempt to reduce this risk is by providing black box insurance, which tracks the driver’s behaviour and rewards good driving. However, young drivers may not have the option of black box insurance, or may not want to take it. Fortunately, there are still ways to get cheap car insurance for young drivers without the need for a black box.

Shop Around

The first step for any young driver looking to get cheap car insurance without a black box is to shop around. Different insurers will have different premiums on offer, so it pays to compare quotes from several insurers and find the best one. Insurance comparison websites make it easy to compare quotes from different insurers side by side, and can be a great starting point for young drivers looking for cheap car insurance. It is also important to look for any special offers or discounts that may be available. Some insurers may offer discounts for young drivers who have completed a safety driving course, for example.

Choose a Cheaper Car

The type of car that a young driver chooses can make a big difference to the cost of their insurance. Generally, the more expensive and powerful the car, the more expensive the insurance premium. It is therefore wise for young drivers to choose a car that is relatively cheap and low-powered when looking to get the cheapest insurance possible. Smaller, cheaper cars are also generally less expensive to repair, which can help to keep the cost of premiums down.

Increase the Excess

The excess is the amount of money that a driver must pay themselves in the event of a claim. Increasing the excess can help to bring the cost of insurance down, as the insurer will not have to pay out as much in the event of a claim. It is important to be aware, however, that if you do have to make a claim, you will need to be able to pay the excess yourself. It is therefore wise to choose a realistic excess amount that you can comfortably afford.

Pay in a Lump Sum

Paying for insurance in a lump sum rather than monthly installments can help to reduce the cost of insurance. This is because there is often an additional fee for paying monthly, which can add up over time. It is also important to make sure that the insurance is paid for in full before the policy begins, as failure to do so can result in additional fees or even a cancellation of the policy.

Conclusion

Young drivers can still get cheap car insurance without the need for a black box by shopping around, choosing a cheaper car, increasing the excess, and paying in a lump sum. It is important to remember, however, that cheap insurance does not necessarily mean good insurance. It is important to make sure that the policy provides the right level of cover for the driver’s needs.