You may be surprised to learn that not all insurance companies will insure young drivers. It may be difficult for young drivers with provisional licenses to find insurance. Young drivers can face difficulties finding insurance because of the number of serious accidents they are involved in each year, which results in serious injuries and even death.
Around three thousand young drivers are seriously injured or killed each year on UK roads. One in five serious road accidents involve drivers younger than 21-years-old, according to estimates. These figures are why young drivers find insurance difficult to find, and expensive when they do. Insurance companies will find that they are required to pay more for claims involving young drivers than for experienced drivers. In reality and statistically, young drivers are more expensive than those of older drivers. Therefore, insurance companies must adjust their premiums accordingly.
What You Can Do To Prevent Being A Statistic
Young drivers are often involved in accidents at night. Avoid driving at night. Many young drivers are involved in accidents early in the morning. Avoid buying a speed car. Speed and young drivers don’t mix well. Too many young drivers speed too fast and crash. Speeding is a major factor in accidents. If an accident does occur, it will increase the likelihood of more serious consequences. For your first car, you should consider buying a small car. Before you purchase a fast car, learn the rules of the road.
It may be worth considering the Pass Plus program. The Pass Plus programme will help you drive in a variety of driving conditions. This course will teach you many safety lessons. Insurance companies love to see this certificate on your record. Many will even give you a discount if it is proven that you took the course.
It should be obvious that you shouldn’t drink and drive, or allow peer pressure to make you do foolish things. You might injure or endanger innocent people.
How to get cheaper insurance for young drivers
Although you won’t be able get young drivers insurance at a cheap price, it is possible to get it for less. There are many ways to lower your premiums.
Online insurance shopping is a great way to start. There are many companies online that offer a 10% discount on your insurance. It is easy to search and apply for several companies that specialize in young drivers.
As mentioned earlier, the Pass Plus program can directly impact your premiums. Some companies offer discounts of 20-30 percent on your premium. Avoid large, fast, or modified cars. These vehicles have higher insurance rates. For your first car, choose a small used car. In an accident, smaller cars cause less damage. They are also easier to fix.
Young drivers should use their heads while driving. Do not allow peer pressure to make you do something that you regret.