| Premiums are often considerably higher for | | | | However, there are some things that young and |
| motorists under the age of 21 years old even if | | | | novice drivers can do, to help keep down the |
| they are responsible drivers or not, which has lead | | | | cost of their premiums. |
| to one car insurance expert to say, "I believe | | | | Installing an alarm system or immobiliser will help |
| the industry must work together to find a | | | | to reduce the chance of a vehicle being stolen or |
| formula that recognises those who are able to | | | | broken into, or decrease the risk of the car |
| demonstrate they take a responsible approach to | | | | suffering criminal damage. Where you park a car |
| driving." | | | | also has an effect on its safety. Parking it in a |
| Some insurers are uneasy to offer insurance | | | | secure location, like in a garage or on a driveway |
| cover for drivers under the age of 21 years old, | | | | as opposed to on the road, will make a difference |
| with some organisations extending this to people | | | | to the quotes insurers can offer. |
| under the age of 25 years old. Insurance | | | | Young drivers should also consider doing an |
| spokesman Simon Douglas said, "One out of | | | | advanced drivers course in an attempt to |
| every five young drivers suffers a crash within | | | | persuade their insurance company that they are a |
| their first year of driving and young drivers are 10 | | | | responsible driver. All insurers will work out their |
| times more likely to be involved in a serious | | | | customers' premiums on the possibility of them |
| collision than experienced drivers." | | | | making a claim, so the less likely they consider |
| Those that do offer cover, often charge inflated | | | | someone will make a claim, the less the insurance |
| prices, which has lead to many newly passed | | | | cost will be to cover them. |
| motorists driving without insurance as they simply | | | | It is vital that young drivers don't make any |
| can't afford the premiums on offer. | | | | modifications to their vehicles too. Even if the |
| It comes as no surprise that many people who | | | | changes won't have an impact on the power or |
| get their driving licence feel miserable once they | | | | speed of the vehicle, modified cars generally cost |
| have calculated how much it actually costs to run | | | | more to insure than unmodified cars. |
| a car. | | | | |