When it comes to insuring a young driver, there is no way around the fact that they will always have to pay more for their car insurance. Most companies do this because young drivers don't have much experience on the road. This seems crazy since the young driver just got their licence, but it's sad but true.
There is no way around the fact that younger drivers will pay a higher premium, but there are many things that can be done to lower a young driver's premium and get them insured.
The first thing you should think about is what kind of car you want to buy. Even though insurance rates are usually higher for younger drivers, they will go up even more if you choose a car with a bigger engine. If you're looking to buy your first car, keep this in mind if you want to save money on insurance: if you can, don't buy a sporty or fast model. Instead, buy a car with a small engine, and if you can, don't buy a new car. Instead, buy an older model.
Your premiums can be cut by a lot if you don't make any claims, but this won't help with a younger driver because they don't have any. So, until you have more experience, stick with an older model with a motor that is less than 1 litre.
You can choose from different types of insurance, but full coverage is very expensive and might not be the best choice for a younger driver, especially if they follow the advice above and drive an older car. So think about a different option, like third party, fire, and theft.
If the young driver just got their licence, they can take an advanced driving test to lower their rates even more. A test like this usually has 6 different modules or "scenarios" that put them in different situations, like driving at night and on the highway. If this test is taken and passed, some insurance companies will take this into account when they insure the young driver, which can save them up to 30% on their first year's premium.
The best way to save money on car insurance is to look around online and get quotes from several companies. The younger driver should also look around for insurance companies that specialise in insuring younger drivers. Sometimes, insurance companies like these will offer cheaper premiums when it comes to insuring a young driver, so they should be used instead of just going with any insurance company.