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How to Find the Cheapest Young Drivers Insurance
Once you reach the legal driving age in the UK, the first thing that you need to get is a provisional driving licence. Along with this, a car insurance plan is also necessary so that you can have ample financial protection in case you get involved in a road mishap. It is also a legal requirement.
Since new young drivers are inexperienced behind the wheel although they already know the basics of driving, there is a higher risk of them actually making a claim against the insurance company. This is one of the reasons why you need to work hard in looking for the cheapest young driver’s insurance inthe first place.
Cheapest Young Drivers Insurance - The Statistics Are Against You
To give you an idea about why the costs of young drivers insurance are astronomical, there are a few statistics regarding the accident rate involving young drivers that you need to know about. Based on the figures provided by the Association of British Insurers, there is a 12% increase in the number of 17 to 19 year old drivers suffering from fatal accidents on the road.
Your first year of driving is when you are most likely to get involved in a road accident as compared to any other time in your life. In the same vein, the risk of injury or death-related accidents for the same group is ten times higher than their older, more experienced counterparts. Although there are only a small percentage of UK drivers who are in their teens and early 20s, they already account for almost 30% of road accidents.
To sum it all up, a significant number all accident deaths are caused by drivers under the age of 21 so insurance companies will charge young drivers more to make up for the increased chances of having to pay out.
How to Find the Cheapest Young Drivers Insurance Policy
Given the above set of statistics, it is no wonder why it typically costs an arm and a leg to insure young drivers. Just look at it from the perspective of a car insurance company. If you know that a particular age group is more prone to having road accidents as a result of their relative inexperience behind the wheel, wouldn’t you also charge a bigger rate for their insurance premiums? In fact, there are even car insurance companies who completely refuse to provide car insurance policies to young drivers.
So how are you supposed to counteract this and look for the cheapest young drivers insurance policy? Take a look at the following tips that can help you out:
Apply for a third party insurance plan for young drivers that will still allow you to legally navigate the roads. The most standard, and perhaps the cheapest young driver’s insurance type is one which offers third party protection. For this, the coverage includes other people’s damage caused by your car, but not to your own car. Depending on your driving needs, you may opt to add additional features like third party fire and theft package – which is advisable only if you do not want to go or a fully comprehensive insurance coverage. You can also bring premiums down by agreeing to pay an excess on all claims.
Remember that it’s all about the coverage. One of the main reasons why new drivers cannot find the cheapest young driver’s insurance in the first place is they do not delve a bit deeper into what they are actually buying. To prevent this from happening, ask about when the coverage starts and finishes, how much coverage you actually have and what the exclusions are. You should also learn how much premium you need to pay on a monthly basis, as well as the instructions on how to file a claim.
Resist the urge to drive or insure a pricey make and model of a car. Do not immediately go for an expensive sports car if you are a new driver. In order to obtain the cheapest young driver’s insurance, you can go for an older model and make of a car while you are building up on your skills behind the wheel.
Shop around and compare the best rates so that you can find the cheapest young driver’s insurance. Go online and get as many quotes as you can – then compare the rates and comprehensiveness of the coverage. From there, you can narrow down your choices and select the best one from the lot.
Take advanced driving lessons if you can and build an accident-free driving history. Taking additional driving lessons and establishing yourself as an accident-free young diver may also qualify you for lower insurance premiums later on.
By following these tips, you can get the cheapest possible policy for your car insurance despite the accident risks associated with being a young driver.
