Other factors affecting the cost of car insurance for young drivers
The make, model and age of your car are all considered when giving you a quote for car insurance. Safer cars and those less likely to need expensive repairs are generally cheaper to insure.
How old you are, where you live, how many years you’ve been driving and how many insurance claims you’ve made will all affect your premiums. Unfortunately, you’ll have to have been carful several years ago to see any real difference now.
- What kind of insurance you need
Third Party could be less expensive than third party, fire & theft, which could be cheaper than comprehensive cover but it is always best to get a quote for each type as comprehensive cover is sometimes the cheapest. Adding on other features can increase your premium so take a look at some of your options here.
The compulsory excess is set by the insurer and you’ll have to pay that in the event of a claim. But if you agree to a higher voluntary excess, you can often see a reduction in your premium. Don’t forget though that as a young driver you will probably already have a compulsory young driver excess. Make sure you can afford to cover the total cost of both excesses if you make a claim for your car.