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Cheapest Car Insurers For Young Drivers
Young driver insurance is a type of policy specifically aimed at young people under the age of 25 to help them with coverage costs. This type of youth car insurance cover can help those drivers who usually pay higher premiums for insurance. It works the same as car insurance for older drivers but often comes with a cost-cutting feature. These include telematics technology to help drivers lower their premiums if they can show their insurer that they are driving regularly and that they are driving less.
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You can find more information about these measures in our guide to the different types of car insurance available.
It is important to buy the right car insurance. Young driver insurance may be the best option for you if you:
Car insurance for young drivers can be expensive because younger, less experienced drivers are considered to have higher risk profiles. It may be tempting to go for less coverage to keep costs down, but it’s usually safer and sometimes cheaper to get comprehensive insurance. And remember, every year you drive without anything or make a claim, your premium should go down. ” Leoni Moninska, Insurance Expert
It’s quick, easy and simple to get a range of young driver insurance quotes. As the insurance market is very competitive, one of the best ways to lower your costs is to compare prices. This is because prices can vary greatly between policies and insurers.
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To get a quote you will need to enter some personal information, such as your occupation and address, as well as some information about your vehicle. You will then be given a list of factors that allow you to see the overall value and what is included in each policy before you make a final decision.
The cost of insurance for young drivers can vary depending on many factors. The biggest impact will be how long it takes for the driver to pass their test and obtain a full UK driving licence.
Young drivers between the ages of 17-19 are the most affected by higher insurance costs, due to the potential for inexperience and dangerous driving. From the age of 18 the average price starts to decrease every year as seen in the graph to the left.
Cheap car insurance for young drivers may seem impossible but there are ways to lower your costs. Despite young drivers paying the highest premiums, there are many simple steps and techniques to get cheaper car insurance.
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The type of car you drive is also important, taking a small, cheap, car can be less insurable than an expensive top-of-the-line model.
They are also priced based on the value of the new car, its safety features, how long it will take to repair if it breaks down in a normal accident and how much the individual parts cost.
With black car insurance a telematics box will be installed in your car (or an app installed on your phone) that can monitor how and when you drive using GPS technology.
The device measures things like speed, mileage and brakes. It tells the insurer how healthy the driver is.
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Younger drivers are more involved in accidents than drivers over 25, and claims are more expensive. Young drivers often travel with other young people in the car with them.
If passengers, or anyone else for that matter, are injured or killed as a result of an accident, the insurance provider must pay.
Youth insurance rates usually start to drop for young drivers when they turn 25 but in some cases it can be before that age. There are many factors that affect the cost of insurance, not just age, so other factors such as the driver’s car or their occupation, can affect the policy price.
Insurers place cars into individual insurance groups from 1 to 50. Typically, if the car is in group 1 it will be among the cheapest to insure and 50 will be the most expensive.
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While you can’t change your age, you can choose a car that is less expensive to insure to lower the cost of young driver insurance.
It is tempting to want to buy a car with modifications, such as bodywork. These often appeal to young drivers who want to customize light hatchbacks or midsize cars.
However, avoid them if you want to save money on your car insurance. Repairs have been known to increase value by hundreds of pounds.
Yes, you can increase your excess and this is a good way to lower your rate. However, it is important to make sure that you can afford to pay if you need to make a claim.
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Third party cover is not always the cheapest for young drivers and in some cases, comprehensive insurance will provide the best value for money. The only way to find out though is to run an insurance quote as many factors affect the price you pay.
Yes, car insurance for young drivers can be paid for at a lower rate, usually spread over 12 months. This can be more affordable than paying the insurance premium in one go but most insurers will be more willing to pay for the per month so you will end up spending more money overall.
The type of car you drive affects your car insurance rates. Find the cheapest car insurance groups and the cheapest cars to insure in 2023 here.
Are there benefits to adding another driver to your car insurance policy? How easy is it? Can it help lower your car insurance premiums? Find out in our guide.
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Everything you need to know about car insurance excess. What are the differences between voluntary and mandatory overdrafts, and which one is right for you?
Find out how to add a learner driver to your car insurance plan, what it can cost and more in our guide.
Once you’ve passed your driving test, you need a car – but what are the cheapest and best first cars for new drivers? Find out how to make your decision here.
If you only drive a few miles a year annual car insurance can seem unfairly expensive. Pay-per-mile car insurance can be a cheaper alternative.
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Cheapest Cars To Insure For New Drivers
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The cheapest car insurance for new drivers depends on whether they are adding to an existing policy or purchasing coverage. On average, GEICO is the best cheap company for new drivers who are added to their family policy. State Farm is the best option for new drivers who decide to get their own coverage.
Car insurance for new drivers can cost thousands of dollars more each year
