Grand Gears's video: Insurance Expert: Car insurance for young drivers top tips 2016

Are you 17 to 35 years old? If so, your car insurance is likely to be very expensive. Read our top tips to help you get the right cover at the cheapest price. Step 1. Pick your level of cover If you’d struggle to replace your car if it was written off in an accident, it’s best to go for fully comprehensive insurance. If you’re driving a car worth that’s only worth a few hundred pounds, you could choose third party insurance – but see the next bullet – it’s always worth checking it’s cheapest. Step 2. Push down your insurance risk Drive safely. Prove you are low-risk by having no accidents, no claims and no points on your licence (all crucial for your first year). When you come to renew, your premium should fall significantly. Drive less. Lower mileage means cheaper insurance. Step 3. Push down the cost Pay a voluntary excess. Add this to your compulsory excess to lower your premium (but remember that if you make a claim, you’ll need to pay more towards it yourself). Get your name put on the policy of somebody else as their second driver to benefit from named driver no claims discount – but make sure they are aged over 25 with a good driving record. Avoid paying by monthly instalments if the insurer charges interest. Step 4. Shop around Get online, get on the phone and get some quotes to compare. The more time you put in, the more likely you are to get better cover and a cheaper price. Step 5. Check up on your insurer Read the policy before you buy – it’s the only way to know you’re covered.