Being a young driver is a frightening thing for many youths on the road. What’s even more frightening is that, statistically, young drivers are more likely to have a car accident and need to make a claim on their car insurance.

Sadly, this has the effect of sending the premiums of car insurance for young drivers through the roof.

Fortunately, there are plenty of things those taking to the road for the first time as licensed drivers can do to lower the cost of their car insurance.

Read’s helpful hacks on how to lower the cost of your insurance policy:

Buy a car that is affordable to insure

If you are a young driver, it’s likely you will be driving a second (or third) hand car. The type of car you select for your first vehicle can have a big impact on how much you pay for your car insurance. It’s always best to take a look online at which motors are cheapest to get insurance for before you hand over any cash.

Lower your risk factor

Simple hacks like installing security devices to cut down on a risk of theft, or trying to reduce how often you drive to cut down on mileage, will be beneficial when getting your car insured. So, if it’s possible to walk to your destination, or if it would actually easier to get the train there, opt for this route instead of driving to save money on your policy.

Add an older driver

Adding a driver with more experience to your car insurance policy can get you a break in how much you need to pay. Just make sure that you state that you are the main driver of the car, not the older driver, as this is illegal.

Ditch the modifications

Young drivers, particularly male drivers, are very keen to modify their first cars to make them more personal and striking. However, the likes of body kits, spoilers and alloy wheels can see your car insurance premiums skyrocket.

Pay upfront

It may be a lot of money to go out of your bank account all at once, but paying for a full year, rather than monthly, can save young drivers a great deal of cash. It cuts out the monthly interest charges and is also much less hassle than dragging out payments month after month.

Shop around

As with any type of insurance, getting the best deal on your car insurance largely depends on seeing what different providers. Visit’s young driver page today to compare policies from some of the UK’s leading car insurance providers.

This should not be construed as advice and is for guidance only.