Tips for cheaper car insurance for under 21 year olds

The AA motoring organisation, one of the UK’s major motoring companies, says the main reason for the high cost of car insurance for drivers under 21 is that they belong to a group that is statistically more likely to be involved in a car accident. The association also points out that a young male driver under the age of 21 is around 10 times more likely to be involved in a car crash compared to a male driver over the age of 35. The facts also show that while only 1 in 8 UK motorists are under the age of 25, around a quarter of individuals who die in roadside collisions are under 25.

The good news is that young drivers can earn no-claims discounts by proving that they are at a lower risk of becoming involved in accident. By obeying the Highway Code and not exceeding the speed limit, young motorists can earn a no-claims discount when they renew their premiums. They may also take part in a special course known as Pass Plus, organised by the UK’s Driving Standards Agency, which involves six modules designed to help younger motorists improve their experience on the road. It includes driving in different weather conditions, motorway driving and driving at night. Upon successful completion of this course, drivers are eligible to receive significant discounts on their car insurance.

Young drivers should also consider buying a car that is in a lower insurance group.  The insurance industry uses a special scheme from 1 to 20 that ranks cars based on the amount of money that insurers will have to spend in the event that the car is damaged in an accident. For information on car insurance group and more details on the insurance options available for young drivers, visit theaa.com.

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