How to get cheap car insurance for young drivers

10 ways to get cheaper car insurance for young drivers

The good news is that there are ways of getting cheaper policy if you ‘re a young driver. 🎉 ( The clandestine is making yourself less bad to insure 🤫 )
These tips and tricks could help you get a cheaper car policy :

1) Add a more experienced named driver to your policy

An feel driver with a good drive history is statistically less probable to get into an accident .
This makes them cheaper to insure since they ‘re less likely to make a claim.

Adding an experienced named driver, such as a parent, to your policy could reduce your overall risk level and help you get a cheaper car policy .
It ‘s besides worth checking if it would be cheaper for you to be added as a named driver on a more know driver ‘s policy .
But it ‘s actually authoritative that the person using the car the most is listed as the chief driver .
If you ‘re listed as the named driver, but do most of the drive, you could be committing insurance fraud known as “ fronting ” – which is illegal .
If you ‘re caught front, your car policy may be invalidated which could make it harder for you to get a policy in the future. 😕

2) Choose a car from a lower insurance group

Every car in the UK is put into an insurance group between 1 and 50 .
Insurers frequently use these groups to work out how much your car policy will cost .
by and large speaking, the higher the car policy group, the more expensive your policy policy will be .
sol a car in indemnity group 1 will cost a fortune less to insure than cars in indemnity group 50 .
You can find out what group a car is in using our free insurance group check .

3) Improve your car’s security

Installing security system features like dash cams, parking sensors and locking wheel devices could help make your policy brassy .
This is because they make your car more fasten and less probably to be targeted by criminals .
⚠️ Beware of operation and cosmetic cable car modifications like changing your engine or changing your car color .⚠️
Some insurers do n’t cover modifications at all ( like us ), and the ones that do often charge more because modified cars are riskier to insure .

4) Limit your mileage

Most insurers ask for an calculate annual mileage when you buy cable car cover to work out how frequently you drive ( and consequently your risk of getting into an accident ) .
normally, car policy policies are more expensive if your mileage is high ( the more frequently you ‘re on the road, the more chances there are to have an accident ) .
On the other hand, drivers with lower mileage tend to get cheaper cable car insurance. So you may be able to get a cheaper policy if you drive less throughout the class .

5) Adjust your voluntary excess

The excess is a sum of money you have to pay when you make an policy claim .
You can choose your own voluntary overindulgence. ( And you do n’t have to set one at all ! )
But the higher you set your voluntary overindulgence, the cheaper your car indemnity policy will be.

Make certain your overindulgence is n’t besides high though ! As you ‘ll need to pay that sum to be able to claim for damage to your car .
With our new pay-monthly car insurance you can adjust your surfeit .

6) Tweak your job title

If there ‘s a few different ways to describe your job ( for exercise “ artist ” and “ graphic designer ” ), test them both out and see which gives you a cheaper policy .
just make sure the job deed you pick actually describes what you do !
Your insurance company may cancel your policy if you ‘re caught lying to get a cheaper quotation mark .

7) Pay annually

Paying for an annual policy in one lout sum is normally cheaper than paying monthly by direct debit .
This is because traditional car policies insure you for the entire year indeed making monthly payments is like repaying a lend .
Although paying monthly for policy can improve your credit rating score some insurers add sake to the payments. This makes your policy more expensive .
At Cuvva, we ‘ve created a pay-monthly cable car insurance subscription without any sake. ( And there ‘s no cancellation fees either ! ) .

8) Drive safely

Driving offences such as travel rapidly could result in your premium going up because it shows that you ‘re a bad driver .
Getting six or more penalty points in your first base two years of drive can besides result in your license getting cancelled. 🚫
Driving cautiously helps you build up a good claims record and could help make your policy cheap .
Some insurers offer discounts to drivers who complete the Pass Plus driving qualification .
The class costs around £150-£200, though. So it ‘s worth checking that it will make your policy cheaper before spending your money .

9)Get on the electoral roll

Registering to vote makes it simpler for insurers to confirm your identity when you get a quote .
Drivers who are n’t on the electoral roller are sometimes charged more for a policy because it ‘s harder for companies to prove their details are correct .
It only takes a few minutes to sign up and could help keep the monetary value of your car policy depressed .
You can register to vote on GOV.UK .

10) Consider a black box

Insurers can track your driving habits using a blacken box ( aka a “ telematics device ” ), that is fitted to your car. ( Some companies use apps rather. )

Some companies offer rewards and discounts for good drive, while others may charge you a penalty for poor driving habits .
here comes the shameless plug… We ‘ve made a character of policy that uses your driving habits to give you a fair price. We think it ‘s a morsel better than black corner insurance .
Interested ? Get a smart price quote today .