If you’re a young driver, the chances are that you’ll want to find a car insurance deal that you can comfortably afford. One way to reduce the price is to have a black box – and when fitted to your vehicle, these devices will allow an insurance company to track you wherever you drive. While lower insurance prices may seem appealing, the thought of having a black box (also known as a smart box) in your vehicle may not sound like such a great idea. So, what options do you have?
Reasons why you may not want a black box
Aside from the fact that this device can allow your insurance company to track where you go, there are also a few other reasons why you may not want to drive with one of these devices fitted to your vehicle, such as:
Night driving restrictions
Some (but not all) policies will restrict night-time driving – which for some, can be quite difficult. While the reasoning behind this is that driving at night tends to be more dangerous, those who work night shifts or travel a lot in later hours may not do well with having these kinds of constraints.
Unfortunately, you may find that not being able to drive as much at night isn’t the only stipulation you may have with a black box insurance deal. Many also restrict how far you can travel too, which can prove to be quite difficult in numerous instances. If you plan to drive far often, a black box policy may not be ideal for you.
Are you a good driver?
Policies with a smart box generally reward good drivers, so those who aren’t perfect may find that they won’t benefit as much from having a black box in their car. However, those with these types of deals tend to drive more carefully. In general, those who want cheaper insurance may find that being more careful on the road and choosing the smart box policy can be a good option.
Can young drivers reduce the costs in other ways?
Having a black box isn’t for everyone – so what can you do to get a better deal without one? Fortunately, there are a few things that you can do to lower costs. Some of the most effective ways to do this include:
Choosing a vehicle that’s cheap to insure
If you don’t already have a vehicle, you may want to consider picking one that’s not very expensive to insure – and there are often numerous reasons why a car may not need as much coverage. Be sure to find out more about the types of cars that can generally feature a lower insurance price tag, in case you could enjoy savings.
While some may like the idea of modifying their car, you should know that an insurer is likely to charge you more for modifications. On the other hand, choosing a safer vehicle with an alarm and immobiliser fitted can help to reduce the costs of your car’s coverage, seeing as they reduce the risks of an accident.