If you are under 25 years old you are considered to be a young driver by the insurance companies. Young drivers are statistically more likely to be involved in a road traffic accidents and therefore insurers factor this into their quotes.
It is thought that the reason younger drivers cause more accidents is because they are less cautious drivers. Of these women drivers are considered safer than male drivers so if you are a young female driver then you can expect to get a lower car insurance quote than your male counterparts. In addition to being a young driver your premiums will also be more expensive if you are also a new driver.
Although there is nothing that you can do about being a young driver there are factors in your control that will allow you to decrease the cost of your annual premiums. At Car Insurance New Drivers we suggest the first thing to try is to get as many quotes as possible, the easiest way to do this is by using the online insurance comparison sites.
Once you have found a cheap quote there are a couple of options you can change to help reduce the cost. The cost of a comprehensive policy is usually far greater than that of third party. If you have a cheap car then a third party policy would allow you to get a much cheaper policy, you would of course not be able to claim for any loss or damage to the car as this type of insurance will only cover third party vehicles.
If however you do choose a comprehensive policy then one way to reduce the cost is to adjust the level of voluntary excess. The higher the amount of voluntary excess you are willing to accept the cheaper your insurance will be. A useful tip is to get various quotes for different levels of excess, you can often find the difference in the cost of a policy may not change that much between certain levels. You may get a quote that is much the same for a voluntary excess of £200 as you would for £300 so it would make sense to go for the lower level of excess.