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When
it comes to car insurance then Young drivers car insurance
is higher. Unfortunately it is just the way things work,
young drivers have less experience on the road and so the
insurance companies see them as a greater risk and more
likely to have a crash or an accident.
Statistics actually show that new drivers are more likely
to have an accident in the first two years of passing their
test than at any other time in their driving career!
Also,
one driver in 5 is involved in an accident in their first
year of driving!
Obviously
it goes without saying that everyone wants to have cheaper
car insurance and getting cheap car insurance for young
drivers can take a bit more time to find the best insurance
deal.
Some
things to consider for young drivers to help keep the insurance
premiums down are listed here.
Your
car - Everyone likes to have a nice car, something a bit
better, quicker stylish than their friends and although
this may impress your friends it won't impress the insurance
company. The faster your car means the faster you can drive
and the more chance you are to have an accident. Get yourself
a good solid car to start with. Check out what group insurance
it is. Car insurance groups go from 1 to 20, with Group
1 insurance being the lowest and Group 20 being the highest.
The higher up the insurance scale the car is the higher
the insurance quote is likely to get as with each group
it will mean that the car is getting faster and more expensive.
Don't go for a car with too powerful and engine, a 1 liter
or thereabouts is the place to start unfortunately.
Pass
Plus - The Pass
Plus course is an extra set of lessons that a young
or new driver can take after they have passed their driving
test. It covers 6 skills, including:
- Town driving
- All-weather driving
- Driving out of town
- Night driving
- Driving on dual carriageways
- Driving on Motorways
Doing
the Pass Plus can reduce the cost of insurance for young
drivers at insurance companies that back the Pass Plus scheme.
Read more about Pass Plus
Insurance
Cover - Having third party fire and theft or third party
only car insurance will help reduce the cost of insurance
for a young driver. This basically means that the insurance
company will only have to pay out to any third parties involved
in an accident that weren't their fault, and also in case
of fire or theft if that is the option that is chosen. This
does mean that any damage to the young drivers vehicle will
NOT be covered by insurance and will have to be paid out
of their own pocket!
One
way to get young drivers the freedom to drive once they
have passed their test is by adding them on to an existing
policy of someone such as a parent. This way they don't
own the car but will be able to use it and it can work out
cheaper to add a young driver onto an existing policy rather
than taking out a new insurance policy for a young driver
on their own. This also gives the opportunity for the young
driver to get some driving under their belt before getting
their own car and will also mean that they don't have full
access to the car if it is also used by another main driver.
Always
get a car insurance quote BEFORE you buy a car. There is
no point spotting what you consider a bargain car and then
finding out the cost to insure it is 20 times as much as
the car actually costs!
Don't
get in trouble with the police. If you get done for speeding
then you can expect your insurance to go up next time it
comes around as well as getting 4 points on your license
and a £60 fine. If you excessively break the speed
limit you may be given a ban and have to retake your test,
this can also happen if you are caught speeding a number
of times or get too many points. Speed plays a more significant
factor in accidents for young drivers than it does for older
drivers.
Don't
drink/drug drive - You should never drink drive as it impairs
your ability to drive safely. If you are caught drink driving
then you can (and quite rightly so) expect your insurance
premium to go up loads. The same applies with drug driving.
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