Getting car insurance can be a daunting task for many young drivers. It’s against the law not to have some cover, so you must get a policy – with no ifs or buts! If you’re paying as a younger driver, or you’re looking for one of your first quotes, then you can expect to pay a high price. You might even find that your insurance quote will often cost as much as your actual car, or sometimes even more! Despite this, there are a number of ways to keep the costs low. Here are five pointers to get you started:

Buy on the Internet

A massive amount of companies sell car insurance online. Because getting a quote online is automated, it’s a much cheaper process than other methods, so you’ll normally see reductions of 5-10%. It’s also a much quicker method of getting a quote, especially if you use a price comparison website.

Make Sure You Give Exactly the Right Details

It’s not likely you’ll take out insurance with the intention of writing your car off unless you want to go to jail for fraud. However, you may think that if you do write it off, it’s better to say your car is more expensive than its real market value because you’ll get a bigger cheque – and you’ll be willing to pay a higher premium for this. This is a seriously bad idea for three main reasons. Firstly, it’s fraud and illegal. Secondly, you’ll have to pay a higher premium. Thirdly, when you’re car is written off, you’ll only get the present market value of your car, NOT the valuation of the car as you put in your details.

Another issue is claiming you drive less during a year than you actually do. If you drive your car 12,000 miles a year, yet you claim to only drive 5,000, then you could be in for a lower quote. However, your mileage is recorded every year on your MOT certificate, and your insurance company could request this in the event of a crash. If this happens, you will easily be caught if you have gone over the previously stated mileage figure. If you are caught out, your policy is likely to be void.

Get a High Excess and Consider a Third Party

An excess is effectively the amount of money you will pay for repairs before your insurance company starts coughing up. That is, if you have an excess of £250 and your car is worth £500 and you write it off, then the insurance company pays the difference. Having a high excess will reduce your quote, but it will mean you’ll more than likely have to pay more in the event of an accident – but you’re not intending to crash, right? It’s worthwhile getting a high excess if your car isn’t worth much.

You could also consider to insure your car under Third Party Only, which is the minimum cover required by law. It covers you if other people claim against you for injury or damage to their car or property, and if your car is stolen or damaged by fire, but it will not cover your costs in the event of an accident. Again, it comes as recommended if your car has a low market value.

Pass Plus

You’ve just passed your test, so the last thing you want to do is get back in the car with a driving instructor and take another course. If you’re thinking along those lines then Pass Plus probably isn’t for you. However, taking the advanced driving test can bring down your insurance quote if you take out a policy with a company that is involved with the scheme. Have a look at the Pass Plus website for more.

Take Your Time and Shop Around 

It seems like an obvious one, and you’ve probably heard it time and time again, but taking your time to shop around on the internet will pay off. Don’t think you can get away with looking at one price comparison website either. While you’ll be able to get a large amount of quotes all on one page, they only include selected partner websites, which means you’ll be likely to find a better deal elsewhere. Do a combination of searches, such as Money Supermarket and a Google search; it’s also worth looking at a few supermarket brands. Brands like ASDA Finance can now offer quotes from twenty different providers for car insurance, so they’re also worth a look.

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