I Know Where You Live!
When I asked my insurance agent why my payments car insurance for teenagers and for me were so high, he said “it’s because they know where you live”. Was this a threat?, Because it sounded like one, “Should I be scared? – Do I need to find a lawyer?” I asked him, would they be sending someone round in the middle of the night to check that my tire pressures were correct or worse still my oil level?
Why should where I live affect what I pay for my car insurance? When I first realized that it did make a difference, it didn’t make any sense at all; surely my 2 bed apartment couldn’t be held responsible if I decided to run a red light. It doesn’t affect how I drive or whether I was going to have an accident today.
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Unfortunately there is no such thing as really cheap young driver motor insurance, but there are ways of making it as cheap as possible. The best situation you can hope for if you are under twenty years old is that you can find young driver motor insurance that adequately covers your needs, and is affordable so that you can at least build up a good driving record.
Teenage drivers have always found it difficult and expensive to get car insurance, but in recent years things have definitely taken a turn for the worst. The reason behind this is that statistically the young drivers age group are far more likely to be involved in an accident because they drive faster, have less experience in risky situations, and they make more night journeys which is a time when more accidents occur.
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If you live in the UK, car insurance for young drivers is very expensive. In fact anyone under the age of 25, will pay a much higher rate than drivers in the over 25 group. Many years ago, it was common for a young person to be insured on their parents’ policy for the first few years they were driving, nowadays that isn’t allowed – it’s called fronting and it is illegal.
Many people believe that if their teenage son or daughter wants to drive, they should at the very least be made to pay for their own car insurance policy. The reason behind this is that, as they have sole responsibility over the factors that determine the costs of their insurance, they will be incentivised to take measures to make themselves safer drivers and so reduce the costs they pay – to me this makes perfect sense.
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As a young car driver, you probably feel like you’re getting a pretty raw deal, I know I did. I had to drive a car that I hated because it was so uncool (it was all I could afford), I got stopped by the police two or three times a week (just to check my documents) and on top of all this I’d had to pay about double what the car had cost me for the privilege of protecting other peoples vehicles (I could only afford third party insurance).
The transition from childhood to adulthood is tough enough for teenagers; they’re dealing with school, relationships and spots amongst many other things, so is it time we started to give them a break when they first start out as a young car driver?
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Teenage driver safety gets more than its fair share of airtime in the news media; hardly a day seems to go by without hearing about another grieving family who’ve suffered the tragic loss of a teenage son or daughter in a car accident – and that breaks my heart every time.
There’s no getting away from the fact that teenage drivers are over-represented in the statistics dealing with fatal automobile accidents. Many of these accidents are preventable, with speed and alcohol being major factors in the cause of many of these accidents.
When we hear of these tragedies, the media has a habit of parading the latest road safety expert who’ll tell us that if our kids got more drivers education to make them better drivers, then that will reduce the numbers of accidents.
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