Lower insurance costs for new drivers

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Written by Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.

Drivers between the age of 17-25 see some of the highest car insurance costs across the UK. For those who have recently passed their driving test and are in the market for their first car, the insurance premiums you may be quoted can bring a tear to the eye.

Due to being less experienced and statistically more likely to be involved in an accident, insurance providers often place higher insurance costs on young drivers. Even if you are a very safe driver your age is a major factor when insurance providers calculate how much of a risk you pose.

Fortunately there are a few ways in which young drivers can legally cut the cost of their insurance costs, like adding a responsible 2nd or 3rd driver; getting insurance cover 20-26 days ahead of when it is required; making yourself attractive to insurance providers by choosing a car that is cheap to insure, accurately listing your job title and opting for a black box.

Proving you are a responsible driver is also something that can help reduce your insurance costs. But how do you prove you are a safe driver when you are without a no claims bonus and you want insurance without a black box? Additional driving courses are available once you’ve passed your test that can help show your insurance provider that you are a trustworthy driver. Although young drivers will start out with higher costs, by ensuring you avoid any claims by following safe driving practices you will see your annual costs start to reduce year on year.

The three types of young driver car insurance policy are – third party, third party fire and theft and comprehensive – all provide different levels of cover at varying prices. When you are comparing car insurance quotes online it is important that you take into account which cover is the best for you. Sure, certain cover options may be cheaper but they may leave you uncovered in the event of certain accidents which can incur much higher costs further down the line.