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.