Young drivers have a tough time of it when they first set out as drivers. For the vast majority of the 17-25 age group, this is through no fault of their own, with statistical evidence highlighting the group rather than individuals.
Almost across the board, young drivers are the least trustworthy when driving a car. They are easily distracted by cell-phones and other digital gadgets, and are prone to speeding more so than older generations. And because large insurance claims are made by more 17-25 year-olds than any other group, it is only logical that low cost car insurance is off the table
However, there are ways to lower the overall cost of car insurance for this age group. And while it may take time to enjoy truly cheap insurance premiums, it is not impossible to make insurance much more affordable.
The Issue of Driver Experience
A core point that insurance companies make is that young drivers are not experienced enough in driving to be fully trusted. It is, they claim, not an ageist policy but one that is based on facts and figures. The problem is that the experience void can only be filled over time, so cheap car insurance is something this age group must wait for.
But there are ways to address that apparent injustice. While time spent on the road may not be the most assured way of securing low cost auto insurance, it is possible to show a greater responsibility and interest in driving safety. The availability of advanced driving courses provides documented proof of an ability to handle certain situations.
Experience teaches people what a textbook or theory cannot. But through specific practical courses, a young driver can prove an ability to drive with responsibility, and have some more experience than normal drivers their age. These certificates can help to lower the cost of car insurance.
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