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Under 25 Car Insurance
Age plays an important role in determining the cost of car insurance for two main reasons. First statistics show that younger drivers drive more recklessly and are therefore more prone to accidents. Second, as people get older, they mature more and tend to have more responsibilities and are thus more careful when driving. This is why car insurance for under 25s are significantly higher than for drivers above that age limit.
You may be wondering why the cut off point has been taken at 25 and not something else. Statistics and surveys show that a vast majority of people are married at the age of 25. Now marriage or a civil partnership is an indication of commitment and shows that the “student life” is now over. The careless attitude towards everything is now gone. There’s more respect, more responsibility and more attention towards what’s going on around you and these traits make you a better driver who is cautious on the road and less likely to be involved in a car accident.
How to get cheap car insurance when you’re under 25 years old?
There are a few things which you can do to lower the cost of your car insurance quote. You need to put yourself in the shoes of the insurer. So if you were the insurer, what would you look for? Of course, you want to insure someone who is not going to make a claim because if that happens, you are going to have to spend money and that’s going to eat into your profits. The key here is to get the money for providing insurance cover for a driver and hoping that they will not claim. Therefore you’re looking ideally for a person in a low risk profile group.
For drivers under 25 of age, they are going to be high risk no matter what. However if their car has been fitted with security devices, then it’s going to be easier to trace the car back if it’s stolen which is better and more economical than having to buy a new car as a replacement. That’s all good but if the car is really powerful, then the tendency to drive very fast is always there and the faster you drive, the more dangerous it is. Therefore cars with smaller engines and which have not been modified are going to be safer to insure. Now if the driver is going to park somewhere safe like a garage, then it’s even better because the risks of theft or vandalism are going to be even less. On top of that, if the young driver is not going to drive a lot and the mileage is kept to a minimum, then the chances of accidents are going to be very low and a cheap quote can be provided for the driver even if they are under 25 years old.
There are so many ways to reduce your premiums if you are under 25. In addition to the ideas listed above, it is important to obtain quotes from different car insurance companies because the way in which premiums are calculated vary from insurer to insurer.