It’s always frustrating when you’re still a teenager trying to find the cheapest deals on your car insurance. No matter how good a driver you think you are or how carefully you drive on the roads, your biggest sin is that you are a teenager and that is all. No matter what… insurance companies will always put young drivers in their “higher risk” category and demand much higher premiums.

What’s more concerning is what the statistics reveal, it’s no surprise why auto insurance for young drivers is so expensive. Eighteen-year-old drivers are more likely to be involved in three times as many accidents as drivers over the age of fifty. And as a national average here in the UK, one third (33%) of all road fatalities are caused by reckless young drivers aged up to twenty-five.

It doesn’t stop there, young drivers also experience more car thefts, fires, and vandalism, leading to expensive claims on their auto insurance. But all is not lost, there is a way for sensible young drivers to lower their premiums quite substantially, although it may take a toll on the male ego, women are naturally smarter which is why they pay less on average for their insurance policy .

So how do you get your insurer to lower premiums? ‘Simplzzz’ as the meerkat in the TV ad would say, swallow your pride and get yourself a cheap used small engine car for now. If you’re a young male teenager, then I understand that it might not exactly fit your idea of ​​a ‘girl magnet’. Young drivers are always more sensitive and responsible drivers, so I hope you don’t mind if I exclude you from this conversation.

As long as the car is in good mechanical condition, that’s all that matters, a few minor dents here or there will save you more on your initial purchase and you won’t freak out as much if you find another couple of accidental dents along the way. Regarding insurance, choose the cheapest you can get which will be ‘third party only’ and next is ‘third party fire and theft’

Another way to reduce the cost of car insurance is to take the ‘Pass Plus’ course. This is a training course designed specifically for newly qualified drivers that teaches more advanced driving skills such as night driving, highway driving, driving in congested areas such as city centers, etc. Completing the Pass Plus course could save you up to 30% on your auto insurance, which is a pretty significant discount.

Car insurance for young drivers does not have to be expensive, of course you will have to make some sacrifices, but doing so will save you all the way. Choosing a smaller, used engine saves on both insurance costs and road taxes, plus additional savings due to reduced fuel consumption. That should at least make you smile!