Young Driver Cheap Insurance UK

Getting Cheap Car Insurance for Young Drivers

Getting car insurance for a young driver can be a daunting task. Young drivers between the ages of 17 and 24 are considered inexperienced and high risk by insurance companies, meaning that their premiums are usually much higher than those of older, more experienced drivers. While it can be difficult to find cheap car insurance for young drivers, there are a few steps that you can take to increase your chances of finding a good deal.

Compare Quotes

The most important thing to remember is that it pays to shop around. Different insurance companies offer different rates and levels of coverage, so it pays to compare quotes from a range of different providers. Make sure that you are comparing like-for-like policies, and that all of the quotes are based on the same level of cover. It’s also a good idea to look at the benefits and exclusions of each policy, as these can vary from company to company.

Choose Your Car Wisely

The type of car that you drive can have a significant impact on your insurance premiums. If you’re a young driver, it pays to choose a more modest car that is less expensive to insure. Smaller cars with lower engine capacities are usually the cheapest to insure, as they are less powerful and less likely to cause a lot of damage in an accident.

Opt for a Black Box Policy

Many insurance companies now offer ‘black box’ policies, which use a telematics device to track and monitor your driving. This device records information such as your speed, acceleration, braking and cornering, and sends it back to the insurer. Based on this information, the insurer can then adjust your premiums accordingly, rewarding you with lower premiums if you drive safely and responsibly.

Improve Your Credit Score

A good credit score can also help you to get cheaper car insurance. Insurance companies are increasingly using credit scores to determine the cost of premiums, so if you have a low credit score, it pays to take steps to improve it. This means paying your bills on time and making sure that any outstanding debts are settled promptly.

Look for Discounts

Finally, look out for any discounts or special offers that may be available. Many insurance companies offer discounts for young drivers who have taken a defensive driving course, or for those who have a good academic record. There may also be discounts available for those who pay their premiums in full, or for those who have fitted additional safety features to their car.

Getting cheap car insurance for young drivers can be a challenge, but by taking the time to compare quotes, choosing a car wisely and looking out for discounts, you may be able to find a good deal.