Car Insurance for Young MalesGet a quote now
Young males generally pay more when it comes to car insurance premiums
In recent years, some regions have made it illegal to adjust insurance premiums based on gender. But in most places, young male drivers still pay a disproportionately high insurance premium compared to men in their late 20s or their 30s. In some cases, the cost of a comprehensive policy for a 19 year old can be reduced by as much as half by the time they are 29.
Why Car Insurance for Young Males is More Expensive:
The reason that car insurance for young males is more expensive than average boils down to statistics. Young, less-experienced drivers (both male and female) are statistically more likely to make a claim on their insurance. Of this broad group, young men are even more likely to make a claim. Some data suggests that as much as 1 in 5 drivers are involved in some sort of auto accident within the first year of obtaining their licence.
Statistics also show that young drivers – especially young males – are more likely to be victims of theft and vandalism, further increasing the likelihood of a claim.
How Can Young Men Reduce Their Premiums?
Fortunately, there are many ways to reduce the cost of car insurance for young males. Here are a few.
Have the right car
Insurers may reduce premiums based on factors such as the age of the car, the safety features and the engine size. Cars with smaller engines are typically viewed as lower risk than faster, sportier models.
Increase your excess
Raising your voluntary excess – the amount you pay up front in case of an accident – can decrease the cost of insurance. Just make sure the excess isn’t too expensive, as this could mean that making a claim becomes unaffordable.
Insurance costs for modified vehicles tend to be higher for any group. Modified vehicles are at a higher risk of theft. This is compounded by the fact that young male drivers are already at a statistically higher risk of being victims of theft.
Some insurers offer lowered premiums for those who have qualified defensive and advanced driving courses. This is potentially an excellent way to reduce the cost of car insurance for young males, but such qualifications are also very useful in their own right.
Some insurers offer telematics cover. With this policy insurers can – through various different ways – monitor the driving style of a policy holder. Telematics monitors factors such as acceleration, braking, mileage and what time of day the car is used. Consistently good driving is rewarded with lowered premiums.
One of the most effective ways to save on your car insurance premiums is to shop around and compare your options. Insurance groups offer widely varying rates on car insurance for young males. It is always worth comparing the policies of several companies to find the one best suited to you.
CompareInsurance does the hard part for you, providing a range of comparable insurance quotes for you to browse. Find the right one for you quickly and conveniently.
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