Young Drivers Car Insurance - 3 Steps to Lowering the Cost of Your Premiums

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Young drivers car insurance is far too expensive, but when you consider the car accident statistics, they show that young drivers and in particular teenagers are involved in three times as many collisions as drivers in their fifties, it's little wonder that insurers are giving teen drivers a hard time and forcing them into paying extortionate premiums.
The sad truth is that all young drivers are tarred with the same brush irrespective of how safe, considerate and responsible a driver you are.
There are many factors taken into account when determining insurance rates for young drivers.
Some you will have control of, others you don't.
Your age and sex are primary factors that will immediately place you in a specific risk category.
For example, if you are a young female driver you will pay up to 40% percent less for identical cover.
The reasons for this is in the accident and claims statistics.
Approximately 29% percent of all serious car accidents are caused by young drivers under the age of 25 years, of which 63% percent are males.
When it comes to claims, young female drivers under the age of 21 will on average claim 40% per cent less than a young male driver.
A 17 year old male whose 'just passed his test' could end up paying up to 9 times more than someone aged 25 years for the same vehicle and up to 14 times more than someone aged 35 years Even without providing more information, other than your age and sex, insurers already have a ball park figure in mind when calculating young drivers car insurance premiums.
OK so what can you do to help shave pounds off your insurance policy? (1) For the first two to three years after passing your test forget about owning any kind of high performance car.
Be sensible and go for a cheaper small engine motor in the lowest possible insurance group.
The lower the value, the lower the acceleration, the lower the top speed then the lesser the risk you pose to insurers.
Not only will you make significant savings in insurance costs you will also benefit from lower fuel consumption savings.
(2) Go on a driving improvement course after passing your test, such as the more advanced 'pass plus' test which can save you as much as 35% on your car insurance.
Not only will this improve the 'town traffic' driving skills of a young driver who has just passed his/her test, the lessons are specifically targeted at night time and motorway driving.
(3) compare as many quotations as possible - Although there are insurers online who specialize in young drivers car insurance, you have to remember that they are only humans and their attitudes to young drivers can vary considerably from one company to the next.
Even though it is an extremely competitive business, if you are prepared to put in some legwork and do the research, you could in the end save yourself hundreds of pounds.

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