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Car insurance for younger drivers explained

Swap your vehicle: Few young drivers can afford to own an expensive or powerful car. The vehicle that you drive will be one of the prime influences on your premium, so look at the insurance group of a car before you buy. The grouping structure runs from Group 1 to Group 20, and ideally you want to purchase a vehicle that falls within the first five groups. Save yourself cash by getting quotes for every car you are looking at before making your decision.

Assess your location: In some areas of the UK you are more likely to have your car stolen or be involved in an accident. Car insurance companies are aware of this, and your premium will be increased accordingly. Keep it as low as possible by fitting an alarm and an immobiliser to your car, and by keeping your vehicle in a garage overnight.

Take an extra test: holding a Pass Plus qualification can substantially reduce your car insurance premium. A Pass Plus course costs approximately ?120 and can save you up to 20 per cent on your insurance.

Pay as you go: If you're between 18 and 21 then you should consider pay as you go insurance. Offered by providers like Norwich Union, it allows you to pay only for the miles you drive. The system works through a GPS black box fitted to your car, and can save young drivers with low mileage significant amounts of money.

Shop around: Just like older drivers, young motorists can get excellent deals by comparing quotes. The best place to start is online ? dedicated providers like Auto Direct offer cheap car insurance, as do the price comparison sites.

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To see if you could save money click here for an instant cheap car insurance quote from one of our extensive online car insurance panel members. With Auto Direct comprehensive car insurance you might get unlimited glass/windscreen cover.

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