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Cheap car insurance - tips for new drivers

Cheap car insurance - tips for new drivers

Cheap car insurance - tips for new drivers

Car insurance premiums have never been more expensive, especially for new drivers. Our latest research shows that average insurance for 17-24-year olds is £1,348.37** - that’s an increase by £100 (8.17%) over the past two years.

It’s no wonder then, that new drivers are looking for tips on how to find cheaper car insurance. As well as using Compare the Market to check out great car insurance deals for you, take a look at our top tips that could help you keep your premiums down. 

Daniel Hutson From the Motor team
minute read

Choose your car wisely

Once you’ve passed your test, if you’re looking to buy a new car, check how much the insurance for that model will cost before putting your money down. 

As a general rule, be prepared for more powerful or expensive cars to cost more to insure. For example, if you’re aged between 17 and 24, the average cost to insure a Corsa would be £1,391.23† a year. By comparison, the average cost to insure an Astra would set you back £1,642.43†. See our young driver’s report and cheapest cars to insure pages for more information.

† Based on Compare the Market data from January to March 2018. Our average premiums are based on all our customer quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your personal circumstances.
Choose your car wisely

Increase your voluntary excess

You might want to choose a higher voluntary excess. Although this could cost you more in the event of a claim, as you’ll need to pay the voluntary excess on top of the compulsory excess set by your insurance provider, it could mean a cheaper monthly premium. Just make sure you can afford the full amount in the event of a claim. 

Improve your car’s security

Fitting an industry-approved steering wheel lock or investing in an immobiliser might help reduce your premium. Just bear in mind that you may need to speak to your insurance provider directly to get the saving reflected. You should also check whether the one-off costs of these products outweigh any savings. 

Park your car off the road

Parking your car off road in a locked garage, or on a private driveway overnight reduces the risk of it being stolen or vandalised and might cut the cost of your premium. 

Add an experienced driver

If you’re a new driver and you share your vehicle with a more experienced driver, adding them to your insurance might save you money. Even an experienced driver with a good driving history who only drives your car occasionally could make a difference. 

A word of warning though; you must never put forward the other person as the main driver if this isn’t the case. This is known as car insurance fronting, a type of fraud which, at the very least, could invalidate your policy. 

Add an experienced driver

Avoid modifications

Modifications of any kind could increase the cost of your car insurance; even adding alloy wheels or a new stereo system. Modifications and upgrades could make your car more attractive to thieves, so your insurance provider may raise your premium to reflect that risk.

Restrict your mileage

Limiting the amount of time you’re on the road could reduce your risk and therefore help to lower your premium. All polices ask for a maximum mileage, so set it as low as your realistically can. Be truthful though. If you significantly underestimate your true mileage, then it may invalidate your policy if you need to make a claim. 

Drive well

Driving well and avoiding speeding penalties can help build up your no claims bonus, which can lower your premiums over time.  

As a new driver, an advanced driving course such as the Pass Plus Scheme could help you qualify for a discount on your insurance premiums. Some providers only offer a discount if you take the course within one year of passing your test; other providers might extend the discount period for longer. 

Build up a good no claims discount

If you don’t make a claim on your insurance, you’ll be rewarded at renewal with a no claims discount (NCD).

Building up a good NCD is such a money-saver that if you have a minor bump, it’s often cheaper to pay for the repairs yourself rather than making a claim. But remember, you always need to notify your insurance provider of any accident, even if it’s minor and you’re covering the cost yourself.  Build up a good no claims discount

Build up a good no claims discount

Consider a black box policy

Black box, also known as telematics insurance, is there to reward good driving. It can be particularly beneficial to new drivers who are finding it difficult to get affordable car insurance. 

Your insurance provider can assess how you’re driving through a small gadget installed in your car or via a downloadable app to your phone. If you drive well, you could get a lower premium. Just be sure to look into all the costs associated with this type of policy, as some insurance providers charge to remove the black box should you cancel the policy or sell your car. 

Pay upfront

If you can afford to, try and pay your annual insurance in one go. Monthly instalments often have interest charges.

Do you need optional extras?

Some insurance policies include extras such as a courtesy car or breakdown cover. They can add up to quite a bit of money, so if you don’t want them, take them off. But do think carefully about the implications of not having a replacement car or breakdown cover if you need them. As a new driver the peace of mind may be worth paying extra. 

Compare car insurance quotes

Our car insurance comparison service is a quick and easy way to compare a wide range of insurance providers and get an overview of some great deals on the market. Remember, we’re here to help you get the right level of cover for you, at a price you can afford. 

Compare car insurance quotes in less than six minutes and see if you can start saving. 

Compare car insurance quotes