Insurance For Young And Learner Drivers

Insurance For Young And Learner Drivers

Advice On Young Driver Insurance

Getting young driver insurance is difficult, but there are ways to do it. You can save on motor insurance for young drivers by doing a few things. There are things you should not do also that will keep your insurance down.

How To Get Affordable Young Drivers Insurance

The first thing you can do to get cheap young drivers insurance is to be added to your parents policy. You will be allowed to drive any of the cars covered by the policy. All the benefits of the policy will extend to you. If you add a vehicle to your parents policy, make it an older less expensive vehicle. Get a small model vehicle. These vehicles are cheaper to insure. Larger and newer vehicles will cost more money to insure.

Stay away from high performance vehicles. These vehicles are very expensive to insure; especially for a young driver. There are more accidents in performance vehicles. The chances of getting violations are greater and violations will increase your insurance. High performance vehicles are very tempting to thieves. Performance vehicles are stolen often.

Do not modify your vehicle. Every modification you add to your vehicle means higher premiums. This includes tinted windows and alloy wheels. Modifications make the car more appealing to thieves. It is also more expensive to repair a car with modifications. Buy your insurance online. There are several motor insurance companies that offer a 10 percent discount for buying online. Since they do not use agents and do their business over the internet they will pass their savings on to you.

Take a driving course to improve your driving skills. The Pass Plus course is a good one. There are several insurance companies that will give you a 20 percent discount on your premium for taking the Pass Plus programme. This is not an option if you are just looking for provisional insurance as a learner driver, but once you pass your test, you can follow this advice.

Why It Is So Hard To Get Cheap Young Drivers Insurance

It is hard to get cheap young drivers insurance mainly because of statistics. Driving statistics in the UK show that young people between the ages of 17 and 25 make up one third of all road fatalities. That is a pretty grievous number. In the first year driving, a new driver has a one in five chance of getting into an accident. 17 through 21 year olds represent about 7 percent of the driving license holders. Unfortunately they make up 13 percent of injury accidents.

Young drivers are more apt to let peer pressure, fatigue, or alcohol cause them to get in an accident. Young drivers are more apt to get in an accident from excessive speeding. Early mornings and late evenings are when most young drivers have their accidents. Try to avoid these situations and show you are a good driver to bring your premium down.