Well, the good news is there’s a number of things you can do.
Choose your car with care
While you might dream of owning a high-powered car, your insurance premium will be more affordable if you opt for a standard car with a smaller engine. For example, if you’re aged between 17 and 24, the average cost to insure an Astra would be £1,642.43** a year. Insuring a Corsa, on the other hand, will cost you an average of £1,391.23** a year – that’s a considerable saving. See our young driver’s report and cheapest cars to insure pages for more information.
Take an advanced driving course
Pass Plus is a short course that you take after your driving test. It aims to help with those areas of your driving that might not have been covered in your lessons, such as driving at night, motorway driving and all-weather driving. If you successfully complete the course, some insurance providers may offer cheaper car insurance.
Consider a black box policy
A black box, or telematics, policy uses clever technology to inform your insurance provider how you drive. A small device is fitted to your car, or sometimes you download an app to your phone, which measures when, where and how you drive. Your provider then uses this information to accurately calculate or adjust your premium. Drive safely and the reward could be cheaper car insurance.
Steer clear of modifications
Try to avoid adding unnecessary modifications to your car, such as alloy wheels or a spoiler. While you might think they’re a great idea, even the slightest modification will bump up your premium. Some insurance providers may even refuse to insure you.
Increase your car’s security
If you reduce the risk of your car being stolen, by fitting an immobiliser or alarm for example, your provider may offer you cheaper cover. Just bear in mind that you may have to speak directly with your insurance provider to get this saving.