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Keep costs down for young drivers' car insurance

If you are a young driver looking for car insurance, you may have found that it's a pricey business!

The reason insurance costs more for younger motorists is simply because premiums are calculated on the probability of an accident occurring. Sadly, statistics suggest that people aged under 25 are more likely to be involved in a road accident than older drivers, so that ramps up the cost of the policy.

Another reason prices appear higher for new drivers is because experienced drivers often receive what's known as a no claims bonus, which is a discount for not being involved in any accidents over a long period of time.

But don't worry - there are steps you can take to keep the costs as low as possible.

First of all, it's worth taking a look at a few price comparison websites to find the best quote for your insurance. There are also some insurance companies which cater specifically for under 25s, so check them out, too.

Another way to minimise the price of young drivers' car insurance is to start small when it comes to choosing your first car. It's understandable that you might see yourself behind the wheel of a big, flash motor, but the cover for a car with a small engine will cost less. And try to resist the temptation to make any modifications, as these can also result in higher premiums.

You could also earn yourself some discount by signing up for Pass Plus, an advanced driving course. Unlike your driving test, you won't need to sit a formal exam but when you complete the programme you will get a certificate from the Driving Standards Authority, stating that you are capable of driving at night, in town traffic, on motorways and dual carriageways.

Happy motoring!

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