Young drivers are statistically more likely to have an accident, with 17-25 year olds being responsible for one-third of all road fatalities. It is not surprising that car insurance for under 25s in the UK is typically very high. Insurance companies view young people as more risky and natural because to protect themselves. However, there are still several ways in which you can reduce your costs or cover as a young person.

Buy the right car

All cars belong to a car insurance category ranging from 1-50. In the UK, the cheapest cars to insure belong to groups 1-5. Young drivers with expensive, fast cars will find it in the earlier categories. That being said, it is a good idea to pick your car wisely, rather than simply choosing one that will impress your friends.

Consider black box insurance

Also referred to as telematics insurance, this type of cover works by installing a box inside your car, which you can send to your insurers. In essence, the safer you drive, the greater reduction in your cover. This is obviously very useful for young and inexperienced motorists, who are naturally on the receiving end of some eye-wateringly high premiums.

Telematics policies will include many different factors that include premiums, such as driving behavior, length of journey, type of road generally driven on, the time of day. All of these factors are useful in getting your money.

Do your research

You would not write a piece of coursework without it. Make sure you shop around for a sensible decision.

Third party insurance, which is technically the cheapest type of cover, so that we can not do this for many drivers in the long run.in the long run, so do not just assume this is going to be the cheapest option for you.

There are tons of car finance deals out there, so avoid settling for the first young driver quote offered to you. Ensure that you assess the type of insurance and what is covered in it. Quality is always better than price, especially when it comes to car insurance for drivers more statistically prone to accidents.

Add another driver

Adding a second 'named driver' who has more experience and is older than you can reduce your insurance premium, since providers will assume that the driving responsibility will be shared between you. However, it is important to know where it is actually the case, as lying to your insurer is classed as illegal (known as 'fronting') and can lead to rejected claims.premium, since providers will assume that the driving responsibility will be shared between you. However, it is important to only do this where it is actually the case, as lying to your insurer is classed as illegal (known as ‘fronting’) and can lead to rejected claims.

Take a course

Taking an advanced driving course, such as Pass Plus , can be useful for new drivers within the first year of passing their test. These practical courses are quick and simple and are designed to expand on driving skills, while teaching people to drive more safely.skills, while teaching people to drive more safely.

They cover additional skills such as all-weather driving, night time driving and rush hour traffic. Insurers take kindly into young people investing their time and energy in these types of courses and reduce your premium because of it.night time driving and rush hour traffic. Insurers take kindly to young people investing their time and energy into these types of courses and may to reduce your premium because of it.

Keep your vehicle safe and secure

Young drivers can reduce their premium by adding extra safety features to their vehicles, like car alarms, tracking devices or immobilisers. Moreover, if you are taking steps to reduce the risk of vandalized or stolen, you can also help reduce your cover.vehicle, like car alarms, tracking devices or immobilisers. Moreover, showing that you are taking steps to reduce the risk of your vehicle being vandalised or stolen, by keeping it in a locked garage instead of on the street, will also help reduce your cover.

Go for a higher excess

Opting to pay a higher voluntary excess has been shown to significantly reduce your premium. The excess chosen is the level that you will get when getting an initial quote.

Young drivers are statistically more likely to claim within the first 12 months of receiving their license, so it is important to bear in mind.

Avoid making modifications

As tempting as it might be pimp out your car MTV-style, making modifications to your vehicle (only security ones) will only increase the cost of your cover. A modification counts as anything that is not part of the normal vehicle specification, such as body kits and alloy wheels, which may seem appealing to young drivers wanting to stand out.

If you really need make modifications, be sure to let your insurer know, otherwise you risk invalidating your policy.