Chris Rowlands is a UK-based author with experience within the financial sector, centered on insurance.
Young drivers have long been made scapegoats when it comes to pinning the blame for motor accidents and driving-related offences on a particular group.
To narrow it down further, the majority of the blame is placed at the feet of young male drivers under the age of 25 and in particular, those under 21.
In fact drivers in this age group were said to be responsible for 15% of all driving convictions, according to a recent survey. As a result car insurance premiums have risen dramatically in the last few years to match the increasing cost of young drivers for insurers.
The problem, it seems, comes down to irresponsibility on the part of some of the aforementioned drivers - with many magazines and websites encouraging performance modification to vehicles, the situation has become much worse.
Here are some damning statistics:
• One in 3 young male drivers will write off their cars within the first year of driving, compared to half this amount in the case of young female drivers.
• A quarter of “death by dangerous driving” convictions are of drivers under 20 years of age, even though this group accounts for only 3% of all drivers on the road.
• Each year over half of those found guilty of driving without insurance were in the under-25’s age group.
Unfortunately, insurers can only calculate the cost of car insurance premiums based on risk factor. As a result, the high accident rate of this age group means all young drivers are faced with similarly high premiums.
To ensure your policy is as cheap as possible you should look to buy a small car with an equally small engine, such as a Renault Clio, Ford Fiesta, Vauxhall Corsa or similar. It is best to avoid older cars with larger engines. They may cheap at the outset but to find young drivers car insurance on these vehicles will prove extremely costly as they are much heavier, less safe and cause more damage to other vehicles.
When looking for insurance online you may want to search for manufacturer specific insurance such as “ford car insurance” as this may help narrow things down a bit and increase your chances of finding a better deal.
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