After the thrill of passing their driving test, many young drivers quickly face the reality of costly car insurance. Car insurance for young drivers can be pricey. Fortunately, we’ve got some tips to help lower those premiums.

Choose a car in a low insurance group

Steer clear of vehicles in the highest insurance groups – with 50 being the most expensive in the UK. Cars in group 1 typically have the lowest premiums.

Avoid modifying your car

Although it may be tempting to add features like spoilers or fins, modifications often lead to higher insurance costs.

Compare car insurance policies carefully

Not all policies with the same price offer identical benefits. Always double-check that the policy includes the coverage you need.

Boost car security

Enhancing your car’s security can help reduce premiums.

• Where you park at night – Store your car in a locked garage or park it off the road to keep it safe. Don’t forget to remove valuables and lock the car.
• Install security devices – Adding an alarm, ignition lock, or glass etching can help lower premiums. Check with your insurer to find out which devices are recommended for your vehicle.

Learn more

• Benefits of installing dash cams

Build a no-claims discount

It may seem obvious, but following the Highway Code and sticking to speed limits reduces your risk of accidents. Safe driving not only keeps you protected but can also earn you a no-claims discount at renewal time.

Think about black box insurance

Wondering what a black box is? Black box insurance involves fitting a small telematics device to your car. It tracks driving habits such as speed, braking, and time spent driving.

Agreeing to install a black box can lead to an upfront discount and a premium that reflects your driving behavior at renewal.