Young drivers' car insurance

5 ways to bring down the cost of your car insurance

Top tips to reduce your costs

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Are you a young driver looking to insure your first car? Although you may face some of the highest car insurance premiums around.

We have a few useful tips that will help reduce your insurance instantly. 

1. Earn a no-claims discount

Avoid accidents by following the highway code and driving within the speed limit.

If you drive safely – by following the Highway Code and staying within the speed limit – you will reduce your chances of being involved in an accident. This will increase earning a no-claims discount and renewing your car insurance.

2. Purchase a car in a low insurance group

Cars in group 1 generally have the cheapest insurance premiums compared to vehicles in the 50 category which is the highest rating in the UK.

3. Don't modify your car 

It maybe tempting to add extras such as fins and spoilers – but you are likely to receive a higher insurance bill.

4. Compare like with like car insurance

Car insurance policies with the same price may not offer the same level of benefits. So it's important to check that a policy covers everything you need.

5. Car security 

Thinking about the security of your car could help you reduce your premium. Things to consider: 

Where your car is kept overnight 

Keep your car secure at night by storing it in a locked garage or park it off the road. Make sure you remove valuables when you lock the car.

Security devices 

Purchasing additional security devices such as alarm systems, ignition locks and glass etching will help attract lower premiums. Your insurer can advise what devices are suitable for your car.


If you think you've found a bargain, always look closely at the details, particularly at any compulsory excesses which you would have to pay when making a claim. It may work out costly if the excess is more than you can afford to pay.

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