Finding cheap car insurance for young drivers used to be difficult. Well, not any more! By comparing insurance quotes for young drivers you could save yourself a lot of money. That’s right. No longer do you have to ring different insurance companies and repeat the same information over and over again. Filling one simple form only takes a couple of minutes and you can decided for yourself which quotes is right for you.
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Car insurance for young drivers
Insurance companies divide drivers in different categories depending on risk. Unfortunately, young drivers are at a disadvantage. Insurers generally put them in the high risk group by default. There are two main reasons for that. First of all, new drivers don’t have much driving experience and as you are well aware, driving history is a very important factor when rates are calculated. Secondly, statistics show that young drivers cause more accidents than anyone else. Insurance experts even point out that drivers under 25 are 3 times more likely to be involved in an accident compared to a driver over 50.
Of course, age is not everything. Place of residency, car model, credit history and annual mileage are also used by insurance companies when determining premiums.
It is understandable why some young drivers feel that insurers should not consider everyone under 25 a high risk driver. Not all teenagers are racers and there are plenty of new drivers who are more responsible on the road then men in middle age crisis who are buying sports cars.
Cheap insurance for young drivers
There are steps you can take that will definitely help you lower your premiums. Its often the small things that will save money and you really should not listen to those saying that “red cars are more expensive to insure”.
The make and model of your car is important though. Driving a fast and expensive car at the age of seventeen is not wise for a number of reasons. On the other hand, driving a more economical car packed with safety features like automatic seat belts, ABS and air-bags, will surely help.
Avoid driving aimlessly with your friends. It sounds fun, but it is a proven fact that young drivers are 5 times more likely to have an accident when their friends are in the car. Just one accident, even a small one, can ruin your driving record for years to come. Rather than paying hundreds, your car insurance premiums will jump into the thousands per year.
Believe it or not, maintaining good grades at schools is one of the easiest ways for a young driver to get a discount. Lets face it, its hard to find cheap insurance for young drivers without getting any discounts.
Another sure way to get a discount is to take a defence driving class. Insurance companies love drivers who show responsibility and do reward them with better rates.
Still, the best way to find affordable insurance for young drivers is to compare quotes online. Insurance experts recommend getting at least 3 quotes from different companies. Sometimes the difference in rates is shocking!
Do you want to compare multiple quotes by filling one simple form and find cheap car insurance for young drivers? Get instant quotes now and you could save up to 40%!