CHEAP YOUNG DRIVER INSURANCE
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What is Young Driver Insurance?
It may seem unfair, but young drivers are often seen as a higher risk on the road – to themselves as well as others – and this tends to reflected in their insurance premiums.
However, not everyone associates young drivers with loud exhausts, loud speakers and unsafe driving – many are thankfully willing to give youth a chance, especially in terms of young driver insurance providers. That’s assuming you avoid decorating your entry-level Vauxhall Corsa (other small cars are widely available) with an array of after-market, pseudo performance-enhancing mods.
Indeed, increasing amounts of young driver insurers will offer you more competitively priced deals and monthly premiums than they have in the past.
“Young drivers can often be charged more for car insurance because they are perceived to be a greater risk. However you can reduce your premiums by taking the extra Pass Plus lessons, and can better control the costs with ‘black box’ insurance.”
That’s not to say they’ll be what you call cheap, as statistically – and according to year-on-year research – those drivers under the age of 25 are far more likely to be involved in accidents than those over 25, with insurance premiums therefore reflecting this inescapable fact.
However young driver insurance premiums are dropping, and in the large this turn-around is predominantly thanks to certain new initiatives which have come to prominence in recent years, chief amongst which is black box technology (colloquially referred to as telematics, yet also known as ‘smart box, pay-as-you-drive’ and ‘usage based’ insurance).
Elsewhere, attending Police-orchestrated driver training and awareness sessions (which are typically run in conjunction with road safety education organizations) also help to bring down the cost of young driver insurance premiums in the 17 – 24 year age group for those that participate.
Young driver insurance is a specific motor insurance which is geared up towards those drivers who have only recently passed their driving tests and acquired their licenses, and are subsequently still learning what it’s like to be a driver.
Historically young driver insurance is qualified by a particular age range as a means of universally determining who is and who isn’t classed as a young driver for insurance industry purposes.
As a benchmark, young drivers – and therein, young driver insurance – is more routinely attributed to those in the 17 – 24 age range.
During the past few decades young driver insurance has made the headlines on many occasion due to its seemingly inflated premium prices found across the board until recently.
Yet rather than insurance providers taking advantage of newly qualified drivers for no apparent reason, this is due to unavoidable statistics which have pointed towards young drivers being involved in a greater number of road accidents than those in higher age ranges.
Related research conducted by various respected sources (including the AA) confirm that one in five drivers have an accident within the first 12 months of passing their test, along with some 26% of road accidents involve at least one young driver in the 17 – 24 range.
In addition to this, road safety charity, BRAKE, has compiled further stats which hardly make for good reading and effectively make it more challenging for young drivers to obtain affordable insurance premiums in light of.
For instance, one in four 18 – 24 year olds (23%) crash within two years of passing their driving test, while drivers aged 16 – 19 are more than twice as likely to die as a result of a road crash than drivers aged 40 – 49.
Do I Need Young Driver Insurance?
In a word, yes. It’s the law. As a newly qualified young driver you won’t be legally covered to drive a vehicle on public roads without the necessary motor insurance in place. Consequently if you are involved in a road accident while not having arranged young driver insurance beforehand, you will be hit hard in the pocket as well. Not least because you will be responsible for paying for your own vehicle’s damage and that of any third party damage incurred, while additionally you will be fined and disqualified from driving by the Police, as well as risking imprisonment.
It’s imperative that as a young driver that the first thing you do is insure any car that you are planning on driving (be that your own vehicle or another family member’s) before you get behind the wheel. Failure to do so will have long-term implications and make it incredibly difficult to gain motor insurance in the future.
How Much Does Young Driver Insurance Cost?
A sizeable amount, but less than it did not so long ago. Which is thanks in the main to a host of new initiatives aimed at making young drivers more conscious of other road users as well as ensuring that they concentrate on the job in hand, and are not so easily distracted.
The advent of ‘Pay-as-you-drive’ smart box technology has made serious in-roads into driving down the hitherto inflated premiums long synonymous with young driver car insurance, as the driver can opt to become individually accountable for their instantaneous actions at the wheel; which in turn encourages better general awareness of their immediate driving environments.
What Can You Do To Reduce The Cost of Young Driver Insurance?
There are a raft of ways and means of minimising the amount you pay for young driver insurance premiums, irrespective of whether or not you adopt new smart box technology; and from a more rudimentary stance.
For a start think seriously about the type of car you’re looking to buy (or drive, if it’s a parent’s vehicle). For example a car’s age, value, average repair costs and most importantly, engine size go a long way to determining just how much a young driver forks out for their motor insurance, all of which are factors you can govern.
Unlike your postcode, let’s say, which is something unfortunately out of your control. The lower the perceived risk group (as calculated by the motor insurance industry as a whole), the lower the premiums a young driver can expect to pay on average. If you’re in doubt as to what insurance group your car falls into, then take a look at our extensive car insurance groups list.
Other elements which will go against you from day one are of course your lack of driving experience and the underlying fact you haven’t built up any No Claims Discount as yet. A vicious circle on account that you haven’t got any road miles under your belt as yet. And don’t forget that electing to buy comprehensive cover doesn’t necessarily mean you’ll be paying more (over third party only and/or third party fire and theft), so be sure to do your homework well in advance.
Car insurance guidesHow to save money on car insurance as a young driver What is Pass Plus and how do I get it? Car insurance groups list 1-20 Is my car insured? What are the cheapest cars to insure? How do car modifications affect car insurance prices? What to do if you are hit by an uninsured driver? What does 'third party' and 'comprehensive' insurance mean? What is legal expenses cover on car insurance?
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