Cheap car insurance for young drivers

By: LuckySeven | Posted: 22nd January 2008

It can be a vicious circle for young motorists in the UK.

According to BBC Radio 1’s Newsbeat programme, 50% of those who drive without car insurance in the UK are under the age of 29, meaning they are breaking the law and could see their cars seized if caught by the police.

Yet those who drive with car insurance face sky high premiums as young people are punished based on reputation and damning statistics – figures from a car insurance intermediary reveal that 38% of 17- and 18-year-old drivers have made a car insurance claim compared with 20% of those aged over 25.

So what’s the solution?

With police introducing number plate recognition technology and working more closely with insurers than ever before, it’s clear that driving uninsured is not a risk worth taking.

So young drivers must take steps to secure cheap car insurance – and it’s not an impossible task.

Firstly, shop around using a car insurance comparison tool. Comparing quotes from dozens of insurers will increase the likelihood of receiving an affordable deal – most will also include quotes from specialist insurers who target young drivers.

Secondly, consider adding an older driver to your policy. If an older relative is the ‘named’ driver on the policy it can considerably cut your premiums – but you must drive safely as any claims will count against them too.

Next, consider taking an advanced driver’s course. Securing a Pass Plus certificate could slash your premiums by as much as 35%.

Finally, take the same measures as any other driver would to reduce premiums – increase security, don’t modify the vehicle and consider paying by monthly direct debit.

Savvy drivers find cheap car insurance – and there’s nothing to stop young drivers from finding a car insurance deal to suit them and their budget.
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Tags: likelihood, impossible task, dozens, comparison tool, vicious circle, motorists, premiums, old drivers, young drivers, breaking the law, cheap car insurance, insurance deal, car insurance comparison, car insurance claim