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Young driver car insurance quotes

Most of them always think comparing insurance should be made easy and simple. The platform is set for the people in UK to find cheap car insurance quotes for young drivers.

According to Quote zone, the average annual car insurance premium for a 17-21 year old driver is £948.95*

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Young Driver Insurance – Competitive and Comprehensive Cover

Young driver insurance is a well-known headache for both the new driver and potentially the Bank of Mum & Dad. There are many horror stories about young driver insurance policies and the astronomical fees that are being charged by many insurance companies.

Choosing the best young driver insurance policy is not just a case of finding the cheapest. The insurance cover needs to be carefully selected to ensure that the driver is covered for all of their driving requirements.

Why is Young Driver Insurance So Expensive?

There are tens of thousands of young drivers every year that apply for insurance policies for cars and motorbikes and are as safe and careful on the roads as any seasoned and experienced driver. There is, of course an increased risk that new younger drivers carry and this higher risk is manifested in an increase in their car insurance premium.

  • Young drivers have minimal experience which makes them a higher risk to insure
  • Yong drivers do not (in most instances) have the maturity of experienced older drivers
  • Young drivers are deemed more likely to be involved in faster driving
  • Young drivers are generally a little more reckless with their driving style

What Kinds of Car Insurance are available for drivers under 25?

Car insurance for young drivers could be very expensive than other plans, and you may have to pay a high premium. The reason is young drivers are more likely to cause an accident than older motorists are.

As a young driver, you can go for Comprehensive, Third-party-only, or Third-party, Fire, and Theft insurance. The third-party only cover protects the people involved in the accident, who have suffered a loss. Third-party, fire, and theft cover safeguard the third party, as well as your vehicle, from damages caused by fire and theft. The complete protection you can get, a comprehensive policy covers all the risks mentioned above, as well as destruction resulting from unexpected events to your vehicle.

Shop Around and Compare Young Driver Insurance

Most young drivers when first searching a new insurance policy will look for the very cheapest insurance, along with the opportunity to pay monthly, as the premiums are usually so high. But shopping around for young drivers insurance cover will reveal a myriad of policies that offer different levels of cover.

The cost of the insurance policy is, of course very important but the young driver has to be certain that he or she has the adequate insurance cover. Is the vehicle or bike to be used for travelling to and from work for example, or actually be used at work? Will the driver want any continental driving cover also?

Take care to compare not just prices of young driver insurance but also the levels of cover on offer.

Car insurance for new drivers

How could I get cheaper car insurance as a young driver?

New driver insurance can be pricey, but there are ways to cut down on the cost. The first way is to increase the insurance excess on your policy. Having a higher excess means you pay a lower premium. However, ensure you can afford the excess, as it can be much higher in insurance for first time drivers.

Another obvious way is to shop around and not settle on the very first policy offered.

  • You can also enlist yourself in someone else’s insurance policy.
  • Choosing an appropriate insurance plan is also crucial. If you have not even passed the driving test and are looking for temporary car insurance for new drivers, learner driver insurance can serve you right.

Furthermore, if you’re seeking a longer-term plan, opt for an annual young driver’s policy.

How will a Black Box Policy affect my Car Insurance?

Car insurance in the UK can be pricey and even more for new drivers. But with Black Box, you can get cheap insurance for young drivers. A black box is a small device installed in your vehicle, about your smartphone's size, that keeps track of your driving. The device monitors areas such as acceleration, braking, cornering, and speed.

Young driver insurance with black box can benefit you if you’re a confident driver. Moreover, it encourages you to drive safely and not run into an accident. Besides, it provides an extra bit of security by alerting the respective authorities if you crash and helps you locate the vehicle if stolen. The downside is you can end up paying a higher premium if you’re a bad driver and pay for installation charges.

*This is based on car policy purchases made via Quote zone by 17 to 21 year old drivers in Jan 21. The prices you could achieve are dependent on your individual circumstances.