Getting car insurance is already such a hassle, but for us young folks, it can be a real pain in the behind. The rates are sky high and it feels like we have to jump through hoops just to get covered. Well, fear not my fellow young drivers, I’ve got some tips and tricks on how to get the best deal on car insurance.
Tip #1: Choose the right car
The first thing to consider when looking for car insurance is the car itself. Some cars are just more expensive to insure, especially for young drivers who may be considered high risk. The good news is that there are some cars that are more affordable to insure.
According to Motoring Research, the top five cheapest cars for young drivers to insure in 2019 were:
- Volkswagen Up!
- Citroen C1
- Fiat 500
- Hyundai i10
- Vauxhall Adam
Of course, you don’t have to choose one of these specific cars, but it’s important to consider the cost of insurance when shopping for a car as a young driver.
Tip #2: Increase your deductible
Another way to save on car insurance as a young driver is to increase your deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium.
Of course, you want to make sure you can afford your deductible in case you do get into an accident, but if you feel confident in your ability to cover the cost, a higher deductible may be a good option for you.
Tip #3: Shop around
One mistake many young drivers make when looking for car insurance is not shopping around. It’s easy to stick with the first option you come across, but you could be missing out on a better deal if you don’t compare rates from multiple providers.
Tip #4: Consider a telematics policy
Telematics policies, also known as black box insurance, can be a good option for young drivers who are safe on the road but may be considered high risk due to their age or lack of experience.
With a telematics policy, your insurance provider will install a small device in your car that monitors your driving habits. They’ll use this information to adjust your premium based on your driving behaviour. Safe drivers can often save significant amounts compared to traditional insurance policies.
Tip #5: Bundle your insurance policies
If you already have other types of insurance, like renters or homeowners insurance, consider bundling your policies. Many insurance providers offer discounts for bundling, which can help you save on your overall insurance costs.
Just make sure to compare the rates of bundling versus buying individual policies, as bundling isn’t always the most cost-effective option.
Getting car insurance as a young driver can be tough, but it doesn’t have to break the bank. Try choosing a more affordable car, increasing your deductible, shopping around, considering a telematics policy, and bundling your insurance policies to get the best deal.
Remember, you don’t have to settle for the first option you come across. Take your time, compare rates, and find the best insurance policy for you and your budget.
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