This can be a bit of a double edged sword, because it means they can never become experienced in driving, nor can they build up a no claims bonus. Hence, many people feel that having such high insurance premiums only means that the dangerous age will become older and older. But, statistics don't lie (unless you consider that 85% of statistics are made up on the spot), and there does seem to be something to be said for the amount of costs incurred by insurance companies due to younger drivers.
Some Statistics about Young Drivers
It seems that sixty per cent of all young drivers (aged between 17 and 25) have a car crash sometime during the first five years they start to drive. Furthermore, they make up some 13% of the total driving population, which is quite a high number. If we consider that 13% of the driving population has at least one crash every five years, with some 50% of these crashes involving other people, the cost to society starts to become quite clear. However, one could argue, as stated earlier, that if it becomes impossible for young drivers to get car insurance, they would simply start to have accidents at a later age. However, it seems that there are a few things younger drivers do that make them very dangerous, and these could be far more age related.
What Young Drivers Do that Makes them Dangerous
Significant studies have taken place and the premiums for younger driver car insurance have been based on these studies. It seems that more than half of all drivers not only speed, but do so with over 20 miles per hour. Furthermore, they are more likely to drink drive, as well as to drive under the influence of narcotics. They also regularly refrain from using a seatbelt and they frequently use their mobile phones whilst driving. All of these behaviours seem to be very much age related.
It is certainly true that when you are younger, your brain is not quite prepared yet for the fact that dangerous things don't just happen to other people. Most adults always wear their seatbelts because they know accidents can happen and that they can happen to them. Younger people, on the other hand, know accidents can happen but somehow still believe that they will happen to others and that they are, themselves, perfectly safe.
Taking all this into consideration, it is no wonder that young driver car insurance comes with very high premiums. However, there are ways to keep these premiums down.
Anthony Saxon is financial content writer currently working in the insurance industry for http://www.tiger.co.uk/. Tiger is one of the leading young drivers car insurance comparison sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.
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