Finding cheap car insurance cover can be a real nightmare especially if you are under 21 years of age. It’s also an emotionally and financially a stressful time for parents who usually find themselves footing the costs especially if its for an inexperienced teenage son who has just passed his driving test.
Young drivers and in particular male teenagers are classified by insurers as a high risk category. Sourcing a company offering cheap motor car insurance for young drivers is difficult enough, but finding a company that won’t take the parents to the cleaners just so that they can get their 17 year old son on the road is another challenge.
According to accident statistics, teenagers in general are involved in three times as many serious collisions than more mature drivers who are in the middle age bracket. To makes matters worse for parents whose children are all teenage boys, almost sixty three percent (63%) of serious car accidents on the roads involve male teenagers. On the other hand, young female drivers are looked upon favorably by insurers, savings of forty percent (40%) for identical cover is not uncommon.
Female drivers are involved in fewer serious car accidents, and when they do make a claim the average claim is forty percent (40%) less than claims made by young male drivers, this is another reason why cheap car insurance cover is more readily available to female drivers still in their teens.
Ok, some things can’t be changed, ie. the age and sex of the driver, but it doesn’t have to be all doom and gloom. Young male drivers can still make substantial savings on their insurance premiums by following a few common sense tips. If it is the parents who will be funding the cost of the insurance, insist on the following.
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Get your son to take more advanced driving lessons after passing their test. The ‘Pass Plus’ training scheme is for new drivers and is designed by the Driving Standards Agency (DSA). Young drivers are taught a wide range of road and traffic situations which will not have been covered in the standard driving test. It can take years to become a skilled driver, to build awareness and anticipate hazards and deal with them safely. But, with tuition from expert drivers on the Pass Plus course young drivers can speed up this learning process
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