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UK student driver car insurance comparison tool

Students often get access to all sorts of great discounts to help them afford things they need for their studies and those much-needed nights on the town.

UK student driver car insurance comparison

However, one area where students generally don’t get to make big savings is on car insurance, since their younger age and limited driving experience typically goes against them when trying to secure a good deal.

However, while student drivers are often seen as higher risk than more mature motorists over the age of 25, there are still a few ways you can reduce you’re insurance costs if you fall into this category:

Choose your car carefully

We all want to cruise around town in a sleek set of wheels, but the car you choose will have a significant impact on the price of your premium. The higher the cost of the vehicle, and the bigger its engine of the vehicle, the higher your insurance premium is likely to be.

To keep your costs as low as possible it’s better to opt for a lower powered car that isn’t pricey. Do keep in mind that safety features and security measures are looked on favourably by insurers (and your parents!), though, so be sensible when shopping for a new car.

Stay away from non-factory modifications

Car modifications can make some car insurance providers very nervous, so steer clear of any non-standard modifications. Many insurers feel that these modifications make the car more vulnerable to theft or are a sign of the typical boy- or girl-racer, so keep your vehicle in the same state it left the factory in to avoid unnecessary price hikes.

Shop around

Using a student driver car insurance comparison tool can help you locate the most cost-effective policies that best suit your needs, so don’t feel like you have to plump for the first company that offers you cover.

There are several reputable companies that specialise in insurance policies for students, so shop around in order to find the best deal.

By making our insurance comparison tool your first port of call (and entering all of your details accurately and fully) you should be able to compare quotes for a wide range of suitable insurance policies.

Be honest

It might be oh-so-tempting to tell a few white lies when looking for car insurance, but if you tell fibs you could be leaving yourself wide open to your policy being completely voided should your car be stolen or damaged.

If you have to park your car in the street because your student accommodation doesn’t have a driveway or garage then it’s essential that you tell the insurance company this at the very beginning. They are well within their rights to cancel your policy if they find out you’ve been less than truthful.

You might think you’ll be making significant savings by not being totally honest, but in fact you’ll only be setting yourself up for bigger problems later on down the line.

Consider telematics or ‘Black Box’ Insurance

New drivers often feel particularly hard done by when it comes to car insurance prices, and as students the small income you have really is precious.

Fortunately telematics boxes, which are fitted to a vehicle in order to track the driver’s telemetry data, could help younger student drivers to reap the rewards of safe driving.

These ‘black boxes’ track a wide range of data points relating to your driver, including your speed, acceleration, braking and handling, and share this data with your insurance provider in order to demonstrate that you’re a safe driver.

Black box insurance is becoming increasingly popular with students and younger drivers, so make sure you do a little research to see if this is something that could work for you.

Consider temporary student car insurance policies

Many students studying at city centre colleges or universities with excellent public transport links find that they don’t actually need to use their cars for significant periods of time, especially during the academic semester.

Insuring a car for a whole twelve months if you’re not going to use it half of the time seems like a complete waste of money in these situations, so some insurers offer specialist policies for students that take this into consideration and give a discount on temporary vehicle usage.

If this is something that you feel might work for you then use our website to seek out insurers that offer specialist cover for temporary use and make sure that you get as much information as possible before making a decision.

Do your homework

Car insurance for student drivers is never likely to be classed as ‘cheap’, but if you do your homework and compare quotes from a wide range of providers you can at least find a suitable policy that is cheaper.

Ready to get on the road? Compare car insurance quotes for students now.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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