Car insurance costs for young women in the UK are about to take a dramatic
turn. The prices are expected to sky-rocket since the courts are planning on
making it illegal to charge young men more for their insurance. The European
courts claim it is unfair to charge young men more for their insurance than
women are charged. Insurance companies will most likely raise women’s insurance
drastically. In theory at least there should be a decrease in the insurance
costs for young men. It is more likely that finding car insurance for young people will be as difficult as ever.
According to statistics young men are more likely to get in a serious traffic accident then a woman of the same age. Young men tend to drive faster and more recklessly than their opposite sex. That is why insurance companies have always charged more for their insurance. Young men also tend to get more penalties for not obeying the traffic laws. Young women generally take fewer risks so they are not considered as high a risk. They are not as likely to feel the need to show off like young men do.
Right now young women’s car insurance is close to half the price of what young men pay. The average for young men for a sensible car is around 3,000 pounds while young women pay around 1,700 pounds for their insurance. When the new law is passed as it most likely will, men and women will be paying the same price even though women are less of a risk. This will not help the situation of young learner drivers who are looking for learner drivers insurance that they can afford.
By taking defensive driving courses and safety courses in driving young women will be able to save money on their insurance. They need to pick a car that is not considered to be fast and sporty. Buying a used vehicle will also help to lower the insurance premiums. Most insurance companies will charge much more if modifications are done to the car, so keep the car the same. Do not modify it in anyway if you want to keep premiums down.
Remember to obey the traffic laws. When your driving record is clean and has no violations on it, the insurance companies will look favourably on you. This is true of both young women and young men. You will be a safer driver if you obey the laws. Watch for other cars on the road. You must practice defensive driving at all times. You need to be prepared for the other guy to do something wrong and you never know when a car may swerve into your lane or pull out in front of you. If you expect this you are more likely to prevent the accident from occurring.
Regardless of whether you are a young female or young male you must drive carefully. Do not talk on your cell phone or joke with the passengers in the car. Many passengers are injured because of young drivers. It would be a wise move not to carry your friends in your vehicle until you have some experience.
Women should consider the fact that their insurance is most likely going to increase dramatically when they are purchasing their vehicle. Do not buy an expensive model or a fast model as these are much more expensive to insure. Put off your dream car until you are older.
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