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If you’re between 17 to 25 years old, your car insurance is likely to be expensive.

In fact, according to data from the Association of British Insurers (ABI), the average premium for drivers aged between 18 and 20 years is £972.

However, there are a number of ways you can reduce the cost of your insurance, starting by adding a second or third driver.

Add a second driver

When calculating your premium, insurers will look at risk. Therefore, if you’re young and deemed a high-risk driver, adding someone who is considered a lower risk will bring down the average risk and reduce the cost of your policy.

Insurers look at age, driving experience and history. The better your driving history, the lower your risk, so those with a good driving record will make the most savings. However, you should only name a second or third driver if they are someone who would reasonably drive your car. And never add someone as the main driver if they’re not, as this counts as fraud.

The best way to see if your named driver will increase or decrease your risk is to try getting different quotes on a comparison website and see how the costs stack up.

Choose a car in a low insurance group

Insurance providers will charge more for vehicles that have been customised. Unless they increase security, the more changes you make to your car, the more you'll be charged.

A simple hatchback or medium-sized car shouldn’t be too expensive to insure, provided you don’t try to modify it with alloy wheels and body kits. Any additions that make your car go faster or are costly to repair should be avoided.

Check out black box policies

Black box policies use an app or small device installed in the car to monitor your usage and driving behaviour. Your acceleration, braking, cornering and time of driving is recorded to see how safe you are as a driver. Your insurance is then charged every 90 days.

Rather than assuming every young driver is a high risk, these policies can help cut the cost of insurance as premiums are based on actual driving behaviour. But bear in mind, the price of your insurance could go up or down depending on how well you drive. Your policy could even be cancelled if you’re deemed to be an atrocious driver!

These policies are relatively new, so you’ll need to shop around and judge for yourself if they’re value for money.

Drive safely

The best way to prove you are a low-risk driver is by having no accidents, no claims and no points on your licence. This is especially crucial in your first year of driving.

If you drive safely, you should be able to reduce your premium after the first year and hopefully by even greater amounts in subsequent years.

Contact us for further advice on safe motoring

We have a great selection of second-hand cars for sale, so if you are looking for your first car, pop along to our forecourt in Dogmersfield or visit our new online car showroom at Foster & Heanes offer car servicing, maintenance and repair for all makes and models of vehicles including classic and vintage cars. Free collection and delivery can be arranged if you live near our Fleet or Dogmersfield service centres.



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