Under 21 Car Insurance - keeping costs down
While the increased cost of car insurance is perhaps largely unavoidable, there are a number of practical measures someone under 21 can do so that their car insurance payments are as low as possible:
Car insurance for drivers under 21 can be adversely affected by adding things to the vehicle that increase the cost of repairs, such as alloy wheels.
Driving a smaller type of car can have a number of practical benefits for car insurance, namely a decreased likelihood of being hit on the road and being easier to control.
Buying a cheaper vehicle can reduce the premiums associated with car insurance for under 21’s.
There are also a number of things to consider when picking a car insurance policy. A person under 21 should always take the time to look at a number of car insurance quotes and compare the following.
The type of car insurance cover offered, such as a fully comprehensive policy or a third party one
The amount of excess that will be paid and whether or not the policy has the option of voluntarily increasing that amount (the premium you pay will be lower if you shoulder more of the burden yourself)
The reason why car insurance for under 21’s is likely to be higher is simply because they are the demographic that is most likely to be involved in a road traffic accident. Male drivers are a staggering 10 times more likely to be seriously injured, or worse, when they are under 21. The increased risk that young drivers place themselves and other drivers in when they are under 21 means car insurance is more likely to be needed more frequently and is therefore more expensive.
To ensure you are getting the best deal for your situation you may also wish to get quotes from a price comparison website - See below: