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The Best Value Car Insurance For Young Drivers

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One group of people who struggle more than any other to find low cost insurance is young drivers. Any driver under the age of 25 will have to accept that their premiums will be pretty high, but that’s no reason to pay any more than necessary. Let’s look at the tools to use in the search for best value.

First of all, we need to consider a longer term plan. For most people this is to get to age 25 with three or four years no-claim bonus earned. Once this milestone has been reached, people will be able to get quotes from most insurers and should be able to find a good value product. The first step on this journey is to decide when to make the first attempt to buy insurance. At ages under 20 there are few insurers who will provide cover at all, and those that do quote very high premiums. Since so many young people now go to university and don’t take their test until after completing their degree course, it’s often the case that the first time they seek their own motor insurance is around the age of 22. At this age motor insurance products can be found, although they are unlikely to be much less than £1000 per year even for the cheapest to insure car. But what is the cheapest car to insure?

The answer to this question varies from person to person and it’s important to cast a wide net in this search, because it doesn’t pay to be fussy about the type of car you drive at this stage. The next step is to use a car sales website, such as Autotrader, to identify a substantial list of cheap-to-buy cars. Now move over to an insurance comparison site and test what the insurance cost is for each of these vehicles. The one that’s cheapest may not be the one you expected, because there are many demographic factors involved in the assessment.

One type of vehicle to include in this search is the classic car. There’s no fixed definition of a classic, but most insurers will regard any car over about 25 years old, and this includes some pretty smart motors. For these cars it’s worth checking premiums with some of the specialist classic car insurers who will probably have lower rates. However, it’s important to check that the policy will earn a no-claim bonus if you choose this route.

Armed with this information you can buy a car that you already know has an accessible insurance premium, and ideally a car that doesn’t cost much, because it’s important not to care too much about the car. Remember, the target is to get to age 25 with no claims, so if you scrape the car door down a wall there’s no need to make a claim for the repair. Just accept that you now drive a car with a scrape down the door.

The last step is to drive your car to you next destination – but drive carefully!

Laura made sure to compare the different companies available to her when searching for car insurance for young drivers.  She finally settled on a small yet popular UK company and is very happy with her decision.

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