Choosing the right car insurance as a young driver is a tough, expensive call as it is, and that’s before the myriad options, choices and deals are taken into account. In fact, over a third of young UK drivers pay up to £1,000 annually for their insurance, with a quarter of these individuals paying up to £2,000 and 8% paying £2,000 – £4,000. That’s some big money and big differences, too. Indeed, the cost of car insurance can be eye-watering sometimes, but it needn’t be that way. With the help of Pass N Go, a driving school in Hartlepool in the North East, here are 4 IDEAL ways to save money on car insurance.


Prices, add ons, discounts, savings, services; items from all walks (or should that be ‘drives’?) of life can be compared online. It’s good practice, then, to hone in on what’s most important to you before you start comparing. You can even compare comparison websites – confusing, eh? Could you compare comparison websites which compare comparison websites? Probably. But this could go on forever……

What’s important is staying focused. Reliable, generic websites like Compare The Marketwhose advertising jingle is forever embedded in the public consciousness, are as good a place as any to fire up the engine, as it were.


Many insurance companies offer a black box to drivers in order to reduce the cost of their quote. The ‘catch’ is this; the device monitors the driver and determines whether they are sensible behind the wheel — those who drive well are often rewarded with lower insurance costs or money back. And considering Facebook, or the Government, or some other evil entity is already hoarding all of this information, you could do worse than consider one. Although generally associated with those who have recently passed their test, experienced drivers can benefit too. 

So how does the black box judge if you’re a good (or whisper it, bad) driver. It gathers data that records speed, braking, acceleration and cornering and also takes a look at the times that you’re on the road, the number of miles that you cover and the type of roads you drive on. It is estimated though that in the first two years of driving, someone with a black box installed in their car can save £2,000 compared to an equivalent insurance policy without one. Due diligence, however, is necessary. If the option of a black box doesn’t reduce a premium by a significant amount, the following costs should be considered too:

  • Black box installation (up to £50)
  • Fine for missing installation apt (up to £100)
  • Black box removal (up to £80)
  • Penalties for breaking curfew (up to £100)


It should be kept in mind that the cheapest car insurance comparison does not necessarily equate to the best policy. Third party insurance isn’t even always the cheapest, and in fact, many price comparison websites will attempt to steer you away from it. Here’s why; over the years, it’s been normal, more affordable and more in tune with the attitude of younger, ‘riskier’ drivers to take out the most basic, approachable policy. This has resulted in providers increasing the cost of third party cover in tandem with this upping of perceived risk. In a similar train of thought, avoiding premiums when living or holidaying in a place with a relatively higher car-crime rate may well end up being more costly in the long run. To cut a complicated story simple, prices aren’t always what they seem, and a look at the bigger picture is often required to get a better understanding of all the costs you may incur.


If you decide to pay monthly for your car insurance and have a low credit score, your car insurance quote may leap up dramatically.  Yep, most insurers factor in your credit history. Why? Well, according to research from Tesco Bank, people with a low credit score are statistically more likely to claim. On top of that, interest will be added to your repayments. So check your credit history before you apply for a loan if you’re going to pay for it on a monthly basis.  If you have a bad credit score, try and improve it before you apply for car insurance.