Young drivers find it anything but easy to secure cheap car insurance. In fact, other than the initial cost of purchasing their vehicle, insurance is the most expensive part of being a driver for the 17-25 age group. But that is not to say that it is impossible to get a good deal.
It may seem unfair to teenagers and young twenty-something that insurance companies presume they are a big risk on the roads, but when the statistics are exs can hardly expect to get low premium auto insurance immediately.
Thankfully, the rise of the Internet, and the online insurance brokers that operate there, means that better terms can be secured on car insurance policies, with lower premium and better discounts.
Why The Poor Assessment?
As mentioned, there is little argument against the higher premium and poorer terms that most young drivers are faced with. It takes time to build up the level of experience needed to convince insurance brokers to offer cheap car insurance to these drivers.
Of course, it also takes avoiding any accidents, even small ones. The youngest drivers with good terms are those who have not even had their fenders bent. And those who get low premium auto insurance before they reach the age of 25, point to their excellent driving habits as the chief reason.
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Surveys have revealed that younger drivers use their cellphones regularly while driving, making calls as well as answering them, and sending and receiving SMS messages. In fact, the ease with which these drivers are distracted means they are the biggest risk on the roads. Therefore, insurance companies charge higher car insurance premiums.
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