Car insurance for 17 year olds

The legal age to start driving in the UK is seventeen. Most young adults who would be celebrating their 17th birthday in the coming months would have already applied for their provisional licence as this can be done when you're 16 but soon going onto 17. After hours of learning to drive with a qualified instructor, they would have passed their driving test and looking forward to driving a car of their own. Unfortunately life is not always simple and when it comes to 17 year old car insurance, it becomes a matter of frustration.

Car insurance for new drivers is rather expensive for a number of understandable reasons. For example, seventeen year olds are more likely to be involved in car accidents because they lack driving experience and therefore present a much higher risk to the insurer. At this particular age in your life, you're still very young at heart and your style of living differs a lot from mature drivers because there are more frequent drinking, late nights out and long drives as socialising forms an important part of your lifestyle. Those are the most obvious reasons why car insurance for seventeen year old drivers is excessively high.

But wait, there are several things you can do to obtain cheaper premiums

First of all, there's no need to rebel and drive without insurance or lie about your details on your car insurance application form as it will have severe consequences afterwards. Let's find out what can be done to reduce the quotes first:

• Have you considered doing the pass plus course as you can get up to 35% discounts with some insurers?
• Did you use car insurance comparison websites to get quotes? If not, then you probably should as they will search 90% of the car insurance companies on the market.
• Now for the other insurers which are not listed on comparison sites, go to them direct eg Direct Line Car Insurance.
• Are you willing to pay a higher voluntary excess rather than the standard £200?
• Are you trying to insure a sports car? Ditch it for the time being and stick with one which falls under the cheap car insurance bracket.
• Does your car have security devices like a tracker system or an alarm/immobiliser? Modify the details for the quote to include those and find out how much you can save with these installed and whether it's worth getting them.

Just like everything else in life though, you start at the very bottom and slowly make your way towards the top of the ladder. The same goes for getting cheap car insurance for a 17 year old driver who will undoubtedly start paying a lot for insuring his car initially and will eventually pay a fraction of what he has paid in his first years as he builds up his driving experience and accumulates his own set of no claim bonus. Don't be put off by the huge premiums set forward by insurers for young drivers because if you choose your 1st vehicle carefully and drive safely and with utmost care, you will be rewarded with low premiums when your policy is due for renewal.