Car insurance for 18 year olds

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How to compare car insurance for 18-year-olds

So the test has been passed and the car has been bought – now all that’s needed is a great insurance deal. But what kind of insurance is best for those new to the road? Fully comprehensive or third party? Student? Young driver? Will a ‘black box’ lower the price? And is it worth also looking at breakdown cover in case of emergencies? The options can seem overwhelming at first, which is why we’ve produced this simple guide to pairing beginners with their ideal insurance partner. 

Frequently Thought Questions

If you’ve never taken out car insurance before, it can be a pretty complicated subject to navigate. That’s why we’ve put together some ‘frequently thought questions’ to give you answers to those questions you may have.

Why are premiums so high for young drivers?

Seems unfair doesn’t it - at the stage in life when you’re probably not earning that much, car insurance is so expensive. Unfortunately, statistics show that younger drivers are likely to be involved in more car accidents. In fact, 14% of car casualties in 2015 were 17-24 year old drivers. For this reason, car insurance providers cover this additional risk with higher premiums.

What types of policies should be considered?

When it comes to picking an insurance policy for your car, there are three options to consider, all of which offer varying levels of protection at different prices.

Is third party insurance cheaper than comprehensive?

You would think so wouldn’t you. After all, it provides less cover than a comprehensive policy. For some people, it may be that it is cheaper. However, don’t just assume it will be as quite often a comprehensive policy is actually cheaper than third party. That’s why you should always compare prices for all types of cover before making a decision.

Are there any other differences in policies?

There are some optional extras that won’t necessarily come as standard with your policy so you’ll need to look carefully at the terms and conditions. Things like a courtesy car while your car is being repaired, breakdown cover and legal expenses cover may come as additional extras. These are not always necessary and will cost a little more, but you need to weigh up your options and decide what the right level of cover is for you.

How can you reduce the cost of car insurance for 18 year olds?

While it’s unlikely to ever be described as cheap, there are some ways that you can reduce the cost of your premium.

how do I compare prices?

Ultimately, the best way to make sure you’re getting the best price for your car insurance is to shop around. By comparing car insurance quotes you can make sure you’re getting the right level of cover for you at the right price.

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