How To Get Low Car Insurance For Young Drivers – If the cost of learning to drive or buying your first car wasn’t enough, insurance premiums for young drivers have risen by 50% in one year. Here we explain how to reduce costs.
Rising car insurance premiums have affected all motorists, but newer and younger drivers have been hit the hardest. According to research by Compare the Market, drivers aged 24 and under will have to pay £1,792 in the summer of 2023, up from £1,198 a year ago.
How To Get Low Car Insurance For Young Drivers
18- and 19-year-old drivers are currently paying the highest prices ever, with the youngest drivers paying an average of more than £2,000 a year.
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According to comparison site Quotezone, the average car insurance policy for an 18-year-old costs £1,207 a year. We have listed their additional information below:
With Quotezone, you only need to fill in your details once and send your details to over 100 UK insurers. After a few minutes, your quote will be sent back to your screen in real time. Don’t waste your time filling out multiple forms and compare the best offers in one browser!
Fortunately, there are cheaper insurances on the market. Below is a list of some providers that offer special or five-star ratings for young drivers. These ratings come from data provider Defakto and apply to the telematic cover.
Why we rate it: Marmalade offers a range of booking options for young drivers, from student to student car insurance.
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Its black box insurance, for example, covers young drivers between the ages of 17 and 30 with comprehensive coverage. This includes personal accident cover and cover of up to £5,000 in Europe.
It also offers miles paid if you don’t go on a long trip. Under this policy, you are covered for a certain number of miles, so it can be cheaper than an annual policy.
This is a comprehensive policy that includes £25,000 personal injury cover, windscreen protection and breakdown cover through the AA.
It’s worth noting that Marshmallow only offers comprehensive coverage, so if you only want external insurance, you’ll need to choose a different provider.
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Why we rate it: Churchill Insurance offers one of the best telematics policies on the market. Its telematics policy has been rated five stars by Defaqto and can be controlled via the app.
In addition, Churchill Insurance received a Gold Award from the Times Money Mentor team for outstanding customer service. Overall, our readers achieved a satisfaction score of 70%.
Why we rate it: Direct Line offers five-star telematics insurance from Defaqto. However, what sets its cover apart from some of its competitors is that it doesn’t require a black box to be fitted to the car. Instead, you just need to download the app and you’re good to go.
This means that you must have enough data for the policy to work. According to Direct Line, traveling 1,000 miles at an average speed of 40mph will use around 60MB of data per month.
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In addition, if the family has another car, you can use its multi-car insurance to get a discount.
Not only are young and inexperienced drivers more likely to be involved in accidents, but the average cost of claims is also more expensive.
Road safety charity Brake says inexperienced drivers are unaware of the danger. In addition, young people may cause some drivers to take unnecessary risks, such as the risk of speeding or overtaking.
He says one in five young drivers crash their car in their first year of driving. In addition, more than 1,500 young drivers are killed or seriously injured on UK roads each year.
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For young or new drivers, comprehensive insurance may be the best option, as it means you won’t be hit with a big bill if you’re involved in an accident where you’re at fault. This covers damage to the vehicle. as well as all other persons involved in the accident.
In contrast, third-party policies only cover the costs of damage to other vehicles and property. You have to pay for the car to be repaired and it is not insured in case of theft.
A third-party fire and theft policy offers slightly more cover and pays the bill if your car is stolen or damaged by fire.
While you might think that third-party policies would be the cheapest and offer the lowest level of cover, this is often not the case. This is because insurers have found that these policies attract higher risk drivers.
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RAC is one of the most popular breakdown insurance providers and now covers more than a third of all European breakdowns for customers each year. Conditions apply
Car insurance is always more expensive for young drivers than for experienced drivers. However, there are still ways to reduce costs:
Some car insurance policies are cheaper than others. If you want to keep your insurance costs low, it’s important to think carefully about the car you buy.
Generally, the bigger your car and the more powerful the engine, the more expensive it will be.
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When you learn from a professional driving instructor, you don’t have to worry about driver’s insurance. The instructor will have a cover and it will be included in the cost of the lessons.
However, if you are taking lessons or training with a friend or family member, you will need to take out insurance. You can ask to be listed as a named driver on their policy or buy your own learner driver insurance.
The cost of car insurance depends on your age, the type of car you drive and the duration of the insurance. You can buy an annual or short-term policy. RAC, for example, offers coverage from one day to five months. Two months of insurance costs £116.96.
It’s illegal to drive on UK roads without car insurance, so it’s important to have it.
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If you’re not sure if you’re covered or you’re worried your policy has lapsed, you can view our motor insurance database here.
Looking for new car insurance or want to know if you can save on what you’re paying now? Try our car insurance comparison tool
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How To Reduce Young Driver Car Insurance
Although the information provided is believed to be correct at the time of publication, you should always contact the product supplier to ensure that the information provided is the most current.
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Cheap Car Insurance For Young Drivers
We understand that even cheap car insurance for young drivers can leave a big hole in your pocket; car insurance costs do not attract young people.
There is good news! Sitting behind the wheel for twelve months, you will receive a remedial discount on your insurance, which will significantly reduce premiums.
Most young drivers prefer car insurance without a black box; The offer here is for black box insurance.
Further reading will give you more insight into how to get the cheapest car insurance for young drivers without a black box.
Cheap Car Insurance Tips For Young Drivers In The Uk
Browse through different insurance types and choose annual and monthly installments for the perfect deal.
Once you’ve found the right policy for you, simply click to buy online. It can be completely covered in minutes!
Looking for cheap car insurance for young drivers? Comparing quotes is easy
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