Car Insurance - Insuring Young Drivers April 30, 2008
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Author: David Collins
Article:
It is well known that young drivers are perceived to be high
risk when it comes to accidents.
With an increasing number of accidents involving young drivers
aiding in pushing up premiums for the rest of the insurance
world, the stigma associated with young people on the road seems
sure to continue.
Naivety and lack of judgement can often lead to incidents, and
research suggests that being involved in a car crash came top in
a list of causes of death for those aged 15-20.
Because of the stigma surrounding certain age groups, finding
affordable car
insurance can be a nightmare experience for those who’ve
only just passed their tests.
With many car insurance companies wary of insuring young drivers
because of the risks involved, finding a quote for the first
time to cover a newly-qualified driver can be a very costly
process. Many will simply refuse to insure those at-risk groups
and focus on specific types of customers.
However, there are a couple of steps that can be taken to try
and reduce first-time premiums for new drivers:
By taking a Pass Plus course after passing their driving tests,
young drivers have the opportunity to gain experience in areas
such as night-time driving, motorways and driving in bad weather
conditions. Many insurers will take Pass Plus qualifications as
part of the application, and it could help with the quest for cheap car
insurance.
Make sure their first car is not too expensive and/or powerful -
while it may not be the hot-rod they were expecting, it can help
to save money in the long term. And the more careful the driver,
the more no-claims bonus can be accumulated, leading to a drop
in premium prices in future.
It is advisable to compare car
insurance premiums carefully when searching for affordable
quotes, and also for renewals - for many insurers may not offer
incentives for loyalty.
About the author:
David is an experienced writer based in the UK, currently
working in the dotcom industry
