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The following paragraphs summarize the work of car insurance for teenagers experts who are completely familiar with all the aspects of car insurance for teenagers. Heed their advice to avoid any car insurance for teenagers surprises.

Car insurance providers use similar comparison tools to gather competitor rates. Knowing the local competitor rates increases your ability to save on the car insurance policy that best meets your needs, with a company you trust. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. Car insurance is one of the most important decisions that you will ever make and could ruin you financially if you make the wrong decision. Empower yourself with as much car insurance quotes, tips and news as possible.

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Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.

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Now you can be a confident expert on car insurance for teenagers. OK, maybe not an expert. But you should have something to bring to the table next time you join a discussion on car insurance for teenagers.

About the author: InsuranceSet.com offers information and advice about car insurance for teenagers and 17 year old car insurance. You have full permission to reprint this article provided the hyperlinks are kept unchanged.

Over the past few years, car insurance prices have been rising dramatically for those under 25, and there doesn’t seem to be a sign of this trend stopping. Once upon a time a young driver could pick up a small car for cheap and get a decent insurance quote. Now insurance for a young driver may end up costing as much as that cheap car.

Recently there has been an investigation into the increase in car insurance costs. The Transport Committee has asked twenty different insurance firms why this is the case and these are the most common reasons:

The age demographic group most likely to be involved in a crash is young male drivers Nearly three-quarters of young adult deaths occur on the road Those over 35 are 10 times less likely to crash than those under 21 Under 21s claim on average 3 times more often than over 30s Half of all crashes involving under 21s occur at night compared to less than a third of those involving drivers over 30 Claims over a quarter of a million are usually caused by young male drivers When young drivers make a claim, they are more likely to be at fault

Whilst this list is not exhaustive, they are definitely contributing factors that need to be addressed by the Transport Committee. One of the other points raised was that insurance is now becoming unaffordable, resulting in more drivers taking the risk of driving without any insurance, which in turn costs the motor industry around 500million per year, which is reflected by an increase in everyone’s premiums by an average of 30 per year. 20% of drivers aged 17-20 on Britain’s roads are not insured.

Younger drivers do not have as much choice as those with many years road experience, as many insurers won’t offer a quote to newly qualified drivers. Also highlighted was that when new drivers are turned down for insurance, they are not signposted where to go to get cover; which again has lead to people getting behind the wheel without insurance. A common suggestion to improve this system was that for those who get car insurance quotes using comparison sites such as www.moneysupermarket.com , if an insurer cannot give a quote for a young driver; they point them then in the direction of a company who can, as opposed to just saying no and leaving it at that.

There have been methods put into place to try to break the mould of young motorists being responsible for crashes. Since this affects everyone’s insurance in turn, there have been steps taken to educate new drivers, such as:

Revamping the driving training & test system Introduce driver training to include a minimum number of hours driving at night, in different weather conditions and dual carriageway driving Restricted speed limits for the first year – currently in Northern Ireland, drivers are not permitted to exceed 45mph in their first year of driving. New drivers only permitted to drive cars up to 1400cc Restrict the times in which new drivers can be on the road – reducing the number of night time journeys in which crashes are so common for drivers under the age of 21. Only permitting drivers to carry passengers who have held a licence for 3 years or more – to reduce peer pressure and any risk taking elements from their driving Introduce a 0% alcohol limit for the first year of driving, with severe bans for anyone not complying with the law. Educating people on the consequences of poor driving

Steps have already been taken to offer a qualification in driving in the form of a BTEC, although this needs a lot more support to be made official. This may be met with contempt by the DSA, although there is evidence to suggest that the current driving theory test can be passed by guesswork alone.

People who may consider learning to drive may not like the idea of having to take extra lessons, but the bigger concern is with reducing the number of deaths and crashes on our roads. If this number can be reduced, we can also reduce the cost of car insurance, solving two problems at once.

If you’re looking for the best car insurance deals why not try moneysupermarket.com car insurance.

categories: car insurance,price inflation

Traditionally young male drivers are labelled as ‘boy racers’, due to their age. This is shown in the price of premiums these drivers are being offered.

A new study from Cardiff University recommends that a system of graduated driver licensing (GDL) be introduced. Effectively, this means that a newly qualified young driver could be banned from driving at night, carrying passengers their own age and from drinking any alcohol at all.

Many feel this would be a good thing but others feel it is unfair on all young drivers. Remember, we were young drivers at one point.

Are all young drivers the same?

It seems to be the case with every young driver in the UK. It does not matter how good a driver they are or how experienced they are in a car. When it comes to insurers, they are the same as any boy racer.

For example, an 18-year-old male driver doing 10,000 miles a year in a 2005 Ford Fiesta would face some frighteningly high premiums, even if he was the most careful of drivers. According to research by Money Super Market, the cheapest available quote comes in at 4,897.70, while the average cost of 10 quotes is an eye-watering 7,917.

It is cheaper for young females to get insurance, the premiums are still high. It means that most teenagers will be put off getting their own car. This in turns means that they will not be able to earn their own no claims bonus, which means they will have high premiums for many years.

Leading insurer, Swiftcover has suggested that a GDL scheme could actually cut young driver insurance costs for new drivers by as much as 10%. So the jury is out on whether this is a good idea or not, but judging by the difference in costs below, some young drivers may welcome the GDL.

Be Sensible

With driving costs set to go up in 2011, it becomes more vital for young drivers to reduce their driving costs. Those who cannot may not be able to afford to drive.

You can find some of cheapest deals are found online. It is always worth looking online before buying a policy. You can search over 150 providers in minutes with sites such as GoCompare.com, Confused.com and Comparethemarket.com.

Be careful

Be driving less miles you will have a cheaper insurance premium. Where you leave your car on a night helps to, by leaving it on a drive way or a garage can help reduce your insurance costs by 3% – 7%. Fitting a security device, immobilizer or alarm will also help reduce you insurance by a lot.

Having a driving offence will increase your insurance costs, plus the initial fine. Speeding, using a mobile or being caught without insurance will cause you anything from 60 – 5000 in fines, depending on the offence.

Brits support their young drivers

Now that people are asking for a GDL to be introduced in Britain, the site moneysupermarket.com conducted a survey of its users. They asked if users thought teenage drivers should not be allowed to drive at night. Over half said they shouldn’t be banned, a quarter said they need more experience and 30% said it could not be enforced.

But the research does show 1 in 10 people think banning teenagers from driving at night would cut down on road deaths. 30% of people say teenagers need more driving on the roads before driving at night.

When buying car insurance it is important to consider the difference between fully comprehensive car insurance and third party only car insurance. Consider the difference between the two types of cover.

It is that special time in one’s life where they get of age to drive a car. It is that time that tells of future freedom and pending adulthood. It may well be that your teen is one of the next drivers in this country. It is an exciting time, but it is also a very dangerous time for the whole family. It is scary to see one of your kids out on the road for the first time. Young drivers are scary to a lot of people.

Parents have every reason to be worried. Parents know of the dangers of being out on the road since they have done driven in dangerous conditions for a long period of time, many years in fact. There are more drivers on the road than there used to be, and the roads are getting more complicated. More and more distractions are there for kids and even adult drivers. The roads are not safe.

In fact, this is the leading cause of death for people at this age. And, that is cause for parents to become scared when their child reaches this time in their life. Another horrible statistic is that these drivers do not even represent seven percent of all the drivers in the United States.

Being that this is the number one cause of death for people at this age, it would be a good idea to pass this knowledge on. It is vital information. And, there are over two hundred fifty thousand drivers at this age every year that end up in car wrecks.

These drivers are killed at a rate twice as fast as others that are killed in auto accidents. It is a fact that can change with the attitudes of these drivers. To educate these drivers in these statistics would be a worthwhile few moments of time.

The main reason for the staggering number of accidents and deaths for people at this age is the speed and which they are driving, and in other cases combined with alcohol. Any alcohol provided to a minor for any reason in against the law and should never happen at any time.

Young drivers need to know their limitations. Those limitations need to be set by the good judgement of their parents so that they can be safe on the road while driving.

Get complete details and information about the steps to you can take to get the most affordable young drivers insurance easy and fast! When you are looking for car insurance, comparing quotes will help you to find the best coverage on a budget!

A recent poll carried out by the AA has shown that nearly one quarter of the 19,000 people questioned were unaware that it is illegal to use a mobile phone whilst supervising a learner driver. Around one in ten people were also unaware that it was illegal to fall asleep at the wheel. The current law states that when you are supervising a learner driver you are in effect responsible for the actions of that driver.

It has been reported that one supervising driver was even jailed after a learner was involved in a crash that resulted in the death of two people. Due to this the AA have expressed the need for learners to undergo lessons with instructors as well as having some time spent with experienced drivers. There is always the risk that learner drivers will pick up the bad habits of more experienced drivers without realising.

Shockingly the study also reported that some drivers were breaking the law by drinking, sending sms text messages and failing to wear glasses that they would wear if they were driving themselves.

Almost 23% of people who took the survey were shocked to discover that using a mobile phone when supervising a learner was illegal.

4% of respondents admitted that they had broken at least one of the laws and this grew to 22% in the aged 21- 24 group.

When supervising a learner driver you are actually deemed to be in control of the car yourself. Lots of people are unaware of the responsibilities that come with supervising a learner driver.

Road safety charity Brake have also expressed their concern and are campaigning for the minimum age for supervising a learner to be upped from 21 to 25.

It is vital to be confident and secure in your knowledge of the law and roads before you consider taking a learner out on a driving lesson.

Traffic offences are often very serious, a speeding solicitor can help with any mortoring offences.