How to Get the Best Car Insurance Quote as a Young Driver

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Written by Michael Foote , founder of Quote Goat, with over 13 years experience working in the finance, insurance and currency sectors.

It is no secret that car insurance quotes can be affected by the smallest details. After all, providers use criteria like gender, age, and location in an algorithm in order to determine the risk of covering an individual based on both local and national driving statistics. As a result, some drivers tend to pay more than others, and young drivers in particular aged between 17 and 22 are often met with premiums that are 100’s more than older drivers, for example those over 50. Read on as we go over three top tips that will help you get the most cost-effective policy as a young driver…

Black Box

A telematics box is a small device that is plugged into the vehicle of a black box policy holder in order to track their driving habits. In return, insurance companies will reward better drivers with a lower premium that could see them save almost a third off their quote. They are available to drivers under 25 years old which means that they provide very specific benefits for young people who tend to be more affected by costly premiums. With this said, it is important to note drivers with bad habits could also end up paying more the following year and may therefore opt for insurance with no black box.

If you are a young van driver check out our guide on black box insurance for vans.

Named Driver

Put simply, car insurance is a measure of risk, and statistics suggest that younger drivers are seen as more dangerous on the road and therefore more likely to be involved in an at-fault accident. Although it may sound counterintuitive, adding an older driver to a policy may actually reduce the cost. In fact, 18-year olds who add a responsible parent that has been driving for several years may see their premium reduce by a significant amount. With this said, different insurance companies can respond differently so it is difficult to predict how effective this approach will be.

Buy 20-26 Days Ahead

A car insurance quote can also be affected by the start date of a policy and when you decide to take out the cover. For instance, drivers who obtain insurance for the following week are likely going to pay more than those who browse a month in advance because those who leave it until the last minute are seen as a higher risk. After all, it pays to be prepared when it comes to car insurance. In fact, young drivers should always try to obtain cover 20-26 days before the desired start date of their policy because a Money Saving Expert (MSE) investigation found that this can reduce the cost of a premium by 100s.

Although a cheap quote is appealing, it is vital that you never lie in order to obtain one. After all, providing misleading or incorrect details, such as the wrong address, gives an insurance company the right to terminate a policy and this will make it even harder to obtain cover in the future. For all your young driver insurance needs, visit Quote Goat’s trusted comparison site today!

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