# How to get insurance as a young / inexperienced driver Author: Pal Sinha, Barnali Author URL: https://financedigest.com/author/pal-sinha-barnali Published: 2017-08-08 Category: INSURANCE Category URL: https://financedigest.com/category/insurance Meta Title: How to Lower Your First Car Insurance Costs Meta Description: Struggling with expensive first car insurance? Learn how to lower costs as a young driver with tips on car choice, excess, black box, and named drivers. URL: https://financedigest.com/how-to-get-insurance-as-a-young-inexperienced-driverhtml ![undefined](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/ed-head-1736843611364-compressed.jpg) For young and experience drivers, your first car insurance policy can be expensive and overwhelming. Subsequently more and more young motorists find themselves struggling to afford a car without the help from the bank of Mum and Dad. To help, [Go Green Leasing](http://www.gogreenleasing.co.uk/) have provided a guide which explains why younger and more inexperienced drivers face higher insurance costs and the right steps to take to lower your first insurance policy. ![Ed Head](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/ed-head-1736843611364-compressed.jpg) Ed Head Unfortunately for new drivers, [insurance is calculated by the possibility of risk](https://www.financedigest.com/automated-cyber-risk-quantification-saving-the-insurance-industry.html "Automated Cyber Risk Quantification: Saving the Insurance Industry") or chances of damage. Unlike experienced drivers, new motorists have yet to prove their capability and safety- therefore, new and newly qualified drivers are simply a bigger risk. With one in four 18-24 year olds (23%) involved in crashes within two years of passing their [driving test](https://www.financedigest.com/constructive-digitization-to-drive-the-glucose-testing-market.html "Constructive Digitization to drive the Glucose Testing Market"), there is the higher probability of a relatively inexperienced driver being involved in an accident.Taking into consideration that newer [drivers are much more likely to claim](https://www.financedigest.com/tesla-is-sued-by-drivers-over-alleged-false-autopilot-full-self-driving-claims.html "Tesla is sued by drivers over alleged false Autopilot, Full Self-Driving claims") on their insurance, it’s no surprise that the average premium is much higher than experienced drivers. However, it is [possible to find the right insurance at a reduced price](https://www.financedigest.com/uniper-rescue-plan-takes-shape-with-price-rises-possible.html "Uniper rescue plan takes shape, with price rises possible") by following a few simple steps. Choose the right car The make and model of a [car can make a significant difference to the price of insurance-](https://www.financedigest.com/5-tips-for-selecting-the-best-car-insurance-coverage.html "5 Tips for Selecting the Best Car Insurance Coverage") especially young and inexperienced drivers. While common sense may tell us that buying a modest Punto would be cheaper than a flashy BMW, most new [drivers will want to get behind the wheel of the best possible car](https://www.financedigest.com/pimp-my-ride-south-east-drivers-most-likely-to-modify-their-cars.html "Pimp my ride! South East drivers most likely to modify their cars") they can afford. Power isn’t always better, opting for a more modest [car is a way of getting cheaper insurance](https://www.financedigest.com/ten-things-youre-doing-that-are-invalidating-your-car-insurance.html "TEN THINGS YOU’RE DOING THAT ARE INVALIDATING YOUR CAR INSURANCE") for both experienced and unexperienced drivers. [Cars are ranked by insurers](https://www.financedigest.com/how-data-is-revolutionising-car-insurance.html "How data is revolutionising car insurance") in groups ranging from 1 to 50, with those in group 1 being the cheapest to ensure and those in group 50 being the most expensive. Choose the excess that suits you One the most important factors to consider when looking for car [insurance is the sum of excess you can afford to pay-](https://www.financedigest.com/are-you-getting-what-you-are-paying-for-when-it-comes-to-cyber-liability-insurance.html "ARE YOU GETTING WHAT YOU ARE PAYING FOR WHEN IT COMES TO CYBER LIABILITY INSURANCE?") this is a voluntary sum of money you are willing to pay towards repairs in the event of a claim. If you were to pay as little £50,your premium will be higher than if you have voluntary excess of £200. Consider a Black Box More [insurance companies](https://www.financedigest.com/building-stronger-relationships-with-insurance-companies.html "Building Stronger Relationships With Insurance Companies") are now offering young and less experience drivers the option of a Black Box. Simply Installed in the car, the box is designed to help new drivers save money on their car [insurance by rewarding safe and responsible driving – quite simply, the safer you drive the cheaper your car insurance could be in the future](https://www.financedigest.com/insuring-themselves-for-the-future.html "Insuring themselves for the future"). Although it’s not guaranteed to make your first [insurance policy](https://www.financedigest.com/insurance-types-of-coverage-and-how-to-choose-the-right-policy.html "Insurance: Types of Coverage and How to Choose the Right Policy") cheaper, it could help reduce the cost second time around. Add an older named driver to your first [car insurance](https://www.financedigest.com/being-aware-of-the-insurance-blind-spot-when-it-comes-to-driverless-cars.html "Being aware of the insurance blind spot when it comes to driverless cars") policy Younger and less experienced drivers should consider adding parents to their first car insurance policy. When calculating [costs of insurance](https://www.financedigest.com/life-insurance-for-seniors-can-be-a-costly-mistake.html "Life Insurance For Seniors Can Be A Costly Mistake"), the insurance provider will see an older and more experienced driver co-sharing the vehicle, and driving it throughout the policy, and may offer a cheaper price than a sole person policy. [Ensure your car is safe](https://www.financedigest.com/france-demands-twitter-ensure-it-can-preserve-safe-environment.html "France demands Twitter ensure it can preserve ‘safe environment’") and secure One of the main [factors you must consider before applying for your insurance policy is the safety and security of your vehicle](https://www.financedigest.com/electric-vehicle-polymers-market-what-factors-will-drive-the-market-in-upcoming-years-and-how-it-is-going-to-impact-on-global-industry-2021-2029.html "Electric Vehicle Polymers Market? What Factors Will Drive The Market In Upcoming Years And How It Is Going To Impact On Global Industry 2021-2029"). Insurance providers like to know the car is likely to be as secure as possible to avoid the risk of theft. Including security inside the car, and where it is stored when not being driven. Make sure your car is fitted with an alarm or any other security device that would help prevent theft. Thatcham Research has categorised alarms – the [higher the rating](https://www.financedigest.com/uk-house-prices-fall-by-most-since-2009-higher-rates-to-bite-nationwide.html "UK house prices fall by most since 2009, higher rates to bite-Nationwide") of the security system in your vehicle, the more money you could save on your car insurance. Making sure your car is if kept in a garage overnight, or parked on the driveway of your house, should result in a saving on your insurance policy. However, if you can only park the car on the street, you [probably won’t see](https://www.financedigest.com/the-antibodies-contract-manufacturing-market-to-see-through-the-probable-sea-change-through-digitization.html "The Antibodies Contract Manufacturing Market to see through the probable sea change through digitization") a reduction in your insurance price. Unfortunately, car insurance is always going to be an expensive and puzzling for all young and inexperienced drivers. However, with a little bit of research and planning beforehand, you should be able to receive the best [deal for you at a reasonable price](https://www.financedigest.com/portugal-expects-deal-to-disconnect-power-prices-from-gas-prices-very-soon.html "Portugal expects deal to disconnect power prices from gas prices ‘very soon’"). You can start working on the following years policy by making sure you [drive](https://www.financedigest.com/elon-musk-focused-on-getting-self-driving-teslas-in-wide-release-by-year-end.html "Elon Musk: focused on getting self-driving Teslas in wide release by year-end") safely throughout the year and avoid making a claim. Although your first policy may seem like a bank breaker, it will be all worth it the following year. --- This blog is powered by Superblog. Visit https://superblog.ai to know more. ---