Due to the fact that young drivers pose such a high risk on the roads (and the unfortunate fact is that the statistics clearly show that they do), getting young car drivers insurance will not be as cheap as it would for a more experienced driver. In some cases you will find motor insurance companies who will not cover young drivers at all, especially new drivers and those with provisional licenses. It is all due to the statistics surrounding young drivers that make finding young car drivers insurance so difficult.
The Statistics Speak For Themselves
There are some alarming facts in the UK surrounding young drivers. It is up to the young drivers to change these statistics and to become safer drivers. Here are some of the statistics which lead to insurers charging a lot more to insure a young person:
A good estimation shows that as many as one in five of all the serious traffic accidents are involving drivers under the age of 21.
Britain's roads claim the lives or cause serious injury to around 3,000 young drivers every year.
In their first year of driving, one out of every five drivers will crash. Most of these are due to driving at excessive speed, losing control of the vehicle, crashes at night and crashes when overtaking and negotiating bends.
Getting the Best Price on Young Car Drivers Insurance
There are things that you can do to lower the cost of insuring a car for a teenager or new driver. Buy your insurance online after shopping around for specialist companies. You can get a 10 percent discount from most online companies by purchasing through their website. This is a good start on saving you a little money and is easier anyway, so you may as well do it.
The insurance company would love to hear that the young driver has taken additional lessons or a special course to make them a better driver. Take the Pass Plus program or something equally as good, as this is recognized as contributing to you being a better driver and therefore a lower risk to the insurer. The Pass Plus program will teach the young driver how to drive under different conditions, such as town driving and all weather driving and night driving. Many insurance companies will give a 20 to 30 percent discount for passing this program. The amount of money you will save in your insurance premiums more than pays for the course. It is a very well worthwhile program and you should give it considerable thought.
Stay away from high performance vehicles. Fast cars with powerful engines are very expensive to insure, especially for the young driver, because they are far more likely to lead to accidents and claims. Pick a small, used vehicle for your first car. The smaller and cheaper the car, the less the insurance will be.
If you can, park your car in a garage at night. This will deter thieves and insurance companies will often give you a break on your insurance when you garage your vehicle at night. It goes without saying that you should avoid getting any violations on your license. Every violation will increase your insurance.
Many people use their parents insurance to cover them, but this is only legal if the car belongs to your parents and one of them is the main driver. If it is your car and you are the main driver, you are breaking the law and if you have an accident your insurers may not pay out. If you can do it this way, their safe driving record will help keep the premiums lower even by adding the young driver.
So you see there are ways to get young car drivers insurance and ways to try to lower the premiums. Shop around on the internet until you find a company that meets your needs.