Many students want to take driving lessons as soon as they reach 17; indeed, many of them want to pass and get a car straight away, as well as the luxury of freedom that it offers them. However, with statistics largely pointing to the demographic as one of the worst (if not the worst outright) for road traffic accidents, the insurance necessary to drive is not only expensive - it's outright prohibitive.
The Daily Telegraph recently revealed that the average car insurance policy was just under £1,000 at £973, while men under 22 - the usual age band for students looking to cover their car - were expected to pay a whopping £3,100+ just to get their car on the road. Clearly, this is clearly becoming a major issue for individuals looking to commute to university or other further education commitments away from where they're living.
So, what do you do if you're facing this kind of bill as a student? Well, here are some cracking tips that should get you well on your way to lower insurance costs and safer driving.
Pay yearly, not monthly
If you're going to get a car, there's a good chance that you'll have it for a few months. After all, you're a student - you probably won't upgrade any time soon! If you can afford to, pay for your car insurance in one lump sum. When prices are as high as they seem, this may seem impossible in one charge alone, yet you could save two or three months' worth of costs down the line.
Go with a specialist insurer
If you were a landlord, you wouldn't get any home insurance policy; if you're protecting your valuables in your home, you wouldn't get cover that just safeguarded a fixed amount; indeed, you'd tailor your investment to your specifications. This is why many people are looking at specific student car insurance deals from providers like Can Can Cover, who have opted to work creatively and fairly with their target.
Get a car with a small engine
Smaller-engine cars are not perceived as a particular threat to insurers, given they are not particularly fast or prone to speed-related collisions (though usually, this is more about the driver's requirements from their car). If you opt for a tiny engine - even a 0.9 or 1.0 - you could save a small fortune.
Opt for a vehicle with a good safety record
If you end up getting a car that performed well in its Euro NCAP tests, chances are that you'll have access to the best premiums possible. After all, if it can withstand an accident and keep you safe, there'll be less to pay.