There comes a time in everybody’s life where you just pass you’re driving test, after having all those lessons, all of those built up nerves inside you’re tummies and stress, but now if you find yourself reading this article, you’re in need of cheap insurance for young drivers aren’t you? You could be 17 or maybe even 24 or somewhere in between, stay calm and read on.

The way insurance companies work, is they base you’re age as a main factor of liability and also driving experience, there is a age bracket of 17 – 24 years old for the most expensive insurance premiums, they cannot physically interview every individual and provide a unique price judging how good they can drive as it’s too time consuming and impossible to upkeep.

Therefore insurers need to base their premium prices on a formula and that formula has quite a few check boxes  to take into consideration… here are a few to think about –

·         Age – Brackets consist of / 17 – 24 / 25 – 70 / 70 +

·         Type of car – Sports / Saloon / Sporty Hatchback / Family

·         Car storage – Garage / Drive / Secured car park / Roadside

·         Excess – from £50 - £3,000

·         NCB – No claims bonuses

·         License held for – How long you have had you’re license

·        Post code – A major fact, location, location, location

These factors are highly important when insurers take into consideration you’re application, after all, that is what an insurance policy is, it is an application for them to take into consideration and base a sum or a fee to take you on board.

Insurance providers are in general given a bad name, to some extent this may be completely true but unfortunately we are in no position to change anything at this time so we would have to abide by these rules and regulations.

There are some places if you look hard enough that specialise in primarily cheap car insurance for new drivers but these places are cluttered with more brandable insurance comparison websites spending top sterling on advertising, masking the population from these smaller establishments from appearing, resulting in an influx in insurance premiums when in reality there are deals to be taken up.

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