In an insurance context, the term “young drivers” is used to describe drivers between 17 and 25 years of age. Although this term can be viewed as somewhat patronizing, it is actually a reflection on an age group that insurance companies consider the most at-risk and thus the most costly to insure.
While any generalization is untrue, there are a lot statistics that support the fact that most claims and most expensive claims that insurance companies have to pay out come from these drivers.
This age group has two major concerns. The first is that they are not able, due to their age, to have sufficient driving experience to be able drive more safely and secure than older generations. People in this age group are also believed to be more reckless and unpredictable in their driving than those in their 30s, 40s, or later. Although this may be true, it is still a factor in how much insurance companies will charge.
Young drivers will undoubtedly pay more for car insurance than those of older age. While they gain the experience necessary to drive safely, they will also develop a sense of road awareness. This ability to “read” the road will greatly impact their ability to drive safely and their safety record.
People who drive are called to read the road. It is a way to pay attention to what is going on around you. This involves paying attention to other vehicles, cyclists, lorries and pedestrians around you and anticipating the actions and consequences they might take. It is about applying the right speed to every situation. This is usually a slower driving style than fast driving, but it can also refer to a more general sense of the appropriate speed to drive in any given situation.
Another concern about this age group and car insurance is their ability to be distracted easily or more easily than others. This has been interpreted as distraction because they have friends their age driving in the car. They may also be showing off by driving recklessly or fast. This has raised concerns about driving at night, when visibility is poorer and the road conditions are more challenging.
The advent of cellphones has made distracted driving a bigger problem for young drivers and other drivers. Drivers can make calls, send and receive SMS messages, and drivers can also make calls. The United States government has found that distracted driving is just as dangerous as drunk-driving. Distraction is a serious concern as it can cause distractions that could lead to accidents.
