A simples guide

How to get the best car insurance if you’re under 25

So, you’ve passed your driving test – congratulations!

 

But being on the open road is so much more than just being able to give your mates a lift and running errands for your parents; it's your licence to freedom and independence and to keep it legal you need car insurance. But car insurance for under 25s doesn’t come cheap, the average cost of insurance for 18-25 year olds comes in at £810** which doesn’t leave much cash for anything else.

 

So what can you do to drive down the cost of your insurance and keep yourself on the road?

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Why do I need to pay more?

It’s nothing personal – research shows that young drivers are more likely to be involved in an accident. While you may be a responsible driver, over confidence and lack of experience sees 23% of 18-24 year olds involved in accidents within six months of passing their test .

Even if you’re confident that you’re a good driver, there are likely to be hazards that are difficult to spot if you’ve just passed your test – did you know that bad weather was a contributing factor in 15% of all accidents involving young drivers?

Young drivers also make the highest insurance claims – an average of £3,286 compared to drivers between 61-65 who claim an average of £2,180. So it’s less about industry prejudice and more about industry stats.

How can I lower my car insurance?

By making a few informed decisions, you can hopefully find cheap car insurance for under 25s. And once you’ve made those decisions, it’s easy to make sure you’ve got the best value for you right here, using our comparison service.

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How can I lower my car insurance?

How can I lower my car insurance?

By making a few informed decisions, you can hopefully find cheap car insurance for under 25s. And once you’ve made those decisions, it’s easy to make sure you’ve got the best value for you right here, using our comparison service.

What’s all this about a black box and telematics ?

Telematics, or black box insurance is gaining in popularity and it could help anyone under 25 with car insurance. In most cases it means installing a ‘black box’ which records how and when you drive. Similarly there are apps that can be downloaded on a smart phone which plug into the vehicle’s power source and will begin to record data on a second by second basis about the individual’s driving style.

If you’re driving by the book, then your insurance could be reduced as a result.

Telematics isn’t as intrusive as it sounds, the black box itself is usually the size of a smartphone but if it’s not for you then take a look at our top tips for getting car insurance for under 25s that won’t break the bank.

How can I reduce my premium?

Telematics isn’t as intrusive as it sounds: The black box itself is usually the size of a smartphone but if it’s not for you then take a look at our top tips for getting car insurance for under 25s that won’t break the bank.

Check the insurance group: Most cars belong to one of 50 insurance groups and as a general rule, the lower the group number, the lower your car insurance is going to be. As ever, there are exceptions so always make sure you check before you buy.

Can I pimp my ride? As much as we salute your desire to be an individual, modifying your car is a definite no-no. Alloy wheels and spoilers could increase your insurance and it could make your car more of a target to thieves.

Take the Pass Plus: Once you’ve passed your test, think about taking part in the Pass Plus scheme which is aimed at honing your driving skills, it’ll take you a minimum of six hours but it could save you money.

Pay up: Pay your premium up front for the year – you’ll save yourself any monthly interest charges plus it’s one less thing to budget for.

Excess charge: You could lower your premium by paying a higher excess but think carefully  in the event of an accident it would mean paying more towards the cost of a claim – is that something you could afford to do?

Maximum security: Fitting an approved security system could also mean reductions in your car insurance.

Add a named driver: You could lower your premium by adding a more experienced driver to the policy, but be sure not to add your responsible grown up as the main driver – that’s known as fronting and is considered fraudulent.

What level of cover do you really need? Don’t make assumptions about the level of cover you may need, third party only isn’t always the most cost effective in the long run. But we can help you search for the right cover at the best price for you lucky you.

If you want to be on the road, you’ll need car insurance – but who says searching for the right deal has to be a bore – as one of the UK’s leading price comparison site, we certainly don’t.

** Average price for car insurance for 18 to 25 year olds according to research carried out of consumers with comparethemarket.com motor insurance in February 2016.

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