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Rapid Rises in Car Insurance for Young Drivers - And How to Beat Them

April 11, 2012 | Comments: 0 | Views: 250

The costs of car insurance for most drivers is a constant concern, but for teenagers and young drivers it can make driving nothing more than one for the wish list. Some blame has been put on the 'compensation culture' for recent hikes for car insurance in general and equality rulings have affected the cost of insurance for many women drivers, but car insurance for young drivers is costly simply because they are considered to be the highest risk category. There are, however, a few hints that can help to reduce the costs.

Collect Air Miles Not Road Miles

However tempting it may be to take to the roads every day once you have passed your test - consider limiting your mileage. Young drivers tend to be riskier simply because they lack experience and may be overconfident. Accounting for barely 12% of drivers but 30% of road accidents, young drivers need to balance driving experience with slowly developing their skills.

One thing that is certain to bring down the cost of your insurance is a good, clean driving record for your first year. Avoid commuting to school, college or university and use the car for leisure purposes only. This will help to get a discount on your policy and if you estimate a low mileage - and stick to it - you'll make further savings.

Access Up To 35% Discount

The pass plus course is one that you should seriously consider as a way to find cheaper car insurance as a young driver. The course covers more advanced driving skills and many insurers will offer significant discounts once you have completed it. The discounts can be up to 35% - a massive amount if you've been quoted £3000! The course costs around £150 but the savings involved on car insurance for young drivers make it a very worthwhile investment.

Beat The Trends

Pass plus is an indication of driving skills and it's important to understand how much a good driving record will help to add to those savings. Speeding offences and minor traffic offences are things to avoid. Driving well and safely, combined with a pass plus course will convince your insurer that even though you fall into the high risk category - you are actually a good driver and deserve a lower premium.

Car insurance for young drivers can also be costly because statistics suggest that cars belonging to young drivers are more likely to be vandalised or stolen; adding security measures to your car such as an alarm or immobiliser can make a surprising difference to the premium and are worth considering. With a good driving record behind you, your insurance premium will come down, always remember to shop around on comparison sites from time to time - the industry is highly competitive and the more sites you can compare the more savings you can make.

Anthony Saxon is financial content writer currenlty working in the insurance industry for http://www.tiger.co.uk. Tiger is one of the leading cheap car insurance for young drivers sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.

Source: EzineArticles
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