Consider the type of car before sealing the deal and buying it. The type of car driven is a factor when it comes to the insurance price. Every car is put into an ‘insurance group’ ranging from 1 to 50. The more powerful, expensive and rarer the car is, the higher the group and the higher the insurance costs. It’s always worth looking at the insurance groups of the different cars you’re considering before purchasing. We’ve got a guide to help you, showing you cars in low insurance groups, which should save you some money when it comes to purchasing insurance.

If you’re not going to be driving all that much but still need to get behind the wheel every now and then, then buying a car and paying for an annual insurance policy may be an expensive luxury. Thankfully you can have your cake and eat it, at a fraction of the price by picking up Pay as You Go insurance. It really does do what it says on the tin - you only pay for the miles you drive, so if you’re not driving a lot - you could be saving more than you think!

The average price for an annual insurance policy for a driver under 25 is £1,954, whereas you can pick up a Pay as You Go Policy for as little as £174 for 500 miles, and then £18 per 100 mile top up!¹

Check if you’re eligible for any discounts! We offer a range of loyalty and seasonal discounts, like if you hold a Learner Driver Insurance policy with us, you’ll then get 10% off any of our car sharing policies and 5% off policies on your own car in the future! Also - sign up to our Young Driver or Parent Newsletters to be the first to hear about discount offers and deals – and we’ll enter you into a prize draw where a young driver can win a brand-new car! Don't forget to check out websites such as Money Saving Expert for some advice on how to save money.

It’s worth remembering that when you’re doing a quote, there are certain factors that can influence the premium – both up and down. These are called rating factors and will be different from insurer to insurer. Adding an experienced named driver to your policy, who has a clean full licence, for example, may reduce the price quoted. Don’t be tempted to lie on your insurance quote to get a cheaper premium – as this could invalidate your insurance!

It’s a common misconception that Third Party Cover is the cheapest insurance available, but this isn’t true - often getting comprehensive cover is not only the best cover, but often the cheapest option. If you do opt for Third Party Cover, you will need to consider the additional costs that will occur if you’re involved in an accident and need to make a claim - as only the third party is covered. This means any damage to your car, replacement of your car, courtesy car, etc, would not be covered or provided.