Young Drivers Car Insurance

Young drivers car insurance can be costly because buying car cover is most expensive between the ages of 17 and 40. The most pricey policies are issued to people under 25 years old because of the potential risk involved with insuring young, inexperience drivers. So how can young people keep their car cover costs down?

Choose the Right Car

Young people buying their first car often purchase it based on desire rather than practicality. When you choose your first car, consider the age of the, the size of the engine and how likely it is that the car will be stolen. Basically, smaller cars with smaller engines are less costly to insure.

Types of Car Cover

You can choose between third party coverage, third party fire and theft coverage and fully comprehensive coverage when you are buying any type of insurance policy. There are advantages and disadvantages to each type of policy.

Basic third party coverage is the minimum vehicle insurance required by UK law. Failure to have this insurance can result in serious personal liability along with possible legal punishment that can include jail and fines. Third party car insurance covers the damages and injuries incurred by third parties but not the damage incurred to you. You will be responsible for your own medical expenses and the repair of your car if you are found to be at fault in a car accident that causes damages. This coverage can save young people money if they have an older car that is not worth much money and they have a health insurance policy to pay for their medical expenses so there would not be much lost in the event of an accident.

Third party coverage with fire and theft is the same as basic third party coverage except it pays for your car if it is stolen or set on fire. If you live, work or go to school in an area where car theft or damage is prevalent, this is useful coverage to have.

Finally, fully comprehensive coverage covers everyone involved in a car accident, regardless of who is at fault. This type of coverage is mandatory if you purchased a new car and you are financing it because the lender wants reassurance that the collateral of the loan remains in good shape in case you default on the loan and they need to liquidate this asset.

Learner Driver Policies

Often provisional drivers find that insurance companies don't even want to give a quote because inexperienced drivers pose a great risk that the companies are unwilling to take on. Passing your test does not reduce your insurance premiums right away because a supervised learner driver is at the same statistical risk of an automobile accident as a driver who is newly qualified. Shopping around is the best way to get a low-cost young drivers car insurance policy in this situation.

Pass Plus Savings

The Pass Plus program is training designed for the new driver which has been set up with the Driving Standards Agency (DSA), top insurers and driving instruction organisations. Six practical lessons are taken to cover driving around town, weather conditions, night driving, rural driving, dual carriageway and the motorway experience to make young drivers safer. The benefit is that insurance companies offer discounts for completing the Pass Plus program. Best of all, there is no test at the end of the program because the Pass Plus instructor continually assesses skills throughout the course. To qualify for the Pass Plus Discounts, you need to have your license for less than a year and it needs to be clean.

Young drivers car insurance policies can offer discounts and advantages you won't find with other insurance companies because they are specially geared for drivers under 25.