Motorcycle insurance for young drivers – Two tips guaranteed to save you money

It’s always frustrating when you’re still a teenager trying to find the cheapest car insurance deals. It doesn’t matter how good you think you are as a driver or how careful you drive on the road, your biggest sin is that you are a teenager and that’s it. Whatever happens… insurance companies will always place young drivers in the ‘highest risk’ category and charge much higher premiums.

What’s even more concerning is what the statistics reveal, it’s little surprise why car insurance for young drivers is so expensive. Eighteen-year-olds are more often involved in three times as many crashes than drivers over the age of fifty. And as a national average here in the UK, a third (33%) of all road fatalities are caused by the recklessness of young drivers up to the age of twenty-five.

It doesn’t stop there, young drivers are also more likely to experience car theft, fire and vandalism, all of which lead to expensive claims on their car insurance. But all is not lost, there is a way for sensible young drivers to significantly reduce their premiums, although it can be a bit of a blow to the male ego, women are naturally smarter and therefore they pay less on average for their insurance.

How do you get your insurer to lower premiums? “Simplzzz,” as the meerkat in the TV ad would say, swallow your pride and buy a cheap used car with a small engine for now. If you’re a young male teen, I understand it might not quite fit your idea of ​​a “babe magnet.” Young female drivers are always more sensible and responsible drivers, so I hope you don’t mind if I exclude you from this conversation.

As long as the car is in good mechanical condition that’s all that matters, a few minor dents here or there will initially save you more on your purchase and you won’t panic as much if you get a few more unintentional dents along the way. With regards to insurance, go for the cheapest you can get which is ‘third party only’ and next is ‘third party fire and theft’

Another way to reduce the cost of car insurance is to take the “Pass Plus” course. This is a training specially designed for newly qualified drivers and teaches more advanced driving skills such as night driving, highway driving, driving in congested areas such as city centers etc. By completing the Pass Plus course, you can save up to 30 euros. % on your auto insurance – that’s quite a hefty discount.

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Auto insurance for young drivers doesn’t have to be expensive, of course you’ll have to make some sacrifices, but if you do, you’ll save it altogether. Opting for a used and smaller motorcycle engine saves both insurance costs and road tax plus additional savings through lower fuel consumption. That should at least make you smile!