subject: Cheapest Car Insurance Rates For Your Teens - Young Drivers Don't Have To Be Expensive [print this page] Did you know that every year over 100,000 young drivers under the age of 21 are drug into court and convicted for driving without cover? When you factor in that a large percentage of the deadly accidents occurring throughout the UK every year are caused by young drivers who lost control of their vehicle, you see why companies have their guards up when it comes to insuring young drivers.
This is especially true for young male drivers, since boys have the tendency to pump up their vehicles with special equipment so they race faster. This is a dangerous trend that has lead to many deaths, yet it continues all throughout our country today.
As a result of this backlash against young drivers, most parents need to find the cheapest car policy rates to cover their children once they reach driving age. This is not an easy task since rates tend to be considerably higher for a driver under the age of 25 than it would be for a driver in their 30s, 40s and beyond.
So parents, what is your driving record looking like today? Most young drivers receive the cheapest car insurance by being covered through a policy with their parents. That means parents who have great driving records can expect to pay significantly less than parents who are already paying higher rates due to their own driving transgressions in the past.
If you want to cover a younger driver on your policy, do not assume that your current insurance company is going to offer the cheapest car insurance once you add in the new driver. Definitely call them up and get a quote from them given your own history with the company, but make sure to go online and get a variety of comparison quotes as well.
There are some companies that have a reputation for dealing fairly with younger drivers, so make sure to get quotes from them as well as a variety of others. Most of these companies are covered through insurance quote comparison sites, so performing a few searches should give you a nice array of quotes to select from.
The vehicle that a younger driver owns and routinely drives will have a huge impact on how much they pay for insurance. Parents who purchase sports vehicles for their young drivers can naturally expect to pay considerably higher premiums than parents who give their children vehicles not intended to race. This is something that should always be kept in mind when purchasing a young driver's first vehicle.
As an incentive to keep young drivers within the speed limits, many insurers are offering incentives to young drivers that are able to go a particular period of time without filing any claims. These discounts may not be widely advertised, so parents will have to ask about them when considering different quotes for their policies.
There is no question of why younger drivers are now being penalised when it comes to insurance rates. It is no longer a matter of trying to fight these higher rates, but of seeking out the cheapest car insurance possible when it's time to add a new driver onto the policy.
by: Tom Jones
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