Even though young drivers start out in the high risk category resulting in higher rates compared to other drivers, there are definite things that the young driver can do to get the lowest rates possible.
1.
Lack of experience is the main reason for higher rates for younger drivers.
The young driver hasn't had time to develop "natural reactions" or natural reflexes in a quick decision situation.
Older drivers will respond quickly and automatically to an emergency.
For example, when driving on snowy or icy roads, if the car goes into a slide, learning how to pull the car out of it takes some guidance and instruction.
After a few times in this situation, reactions will be quicker and more efficient.
STRATEGY: Take driver's education courses or a defensive driving course to learn about these situations beforehand.
Take these seriously and learn to drive defensively.
Many insurance companies will give discounts on their insurance rates for students who have taken these courses.
2.
Young drivers are easily distracted, not only by their passengers but a newer distraction with the cell phones.
These distractions can lead to some very serious accidents and injuries.
STRATEGY: Focus on driving.
Don't take your eyes off the road for anything! Some states limit the number of passengers until the driver is 18 years old.
If your state doesn't have that limit, play it safe and do it anyway.
Also, let your cell phone record the message.
Check it after you've stopped.
Any call or message is just not worth risking your life for.
Keep your driving record clear of any accidents or tickets.
3.
Fatigue is another main factor for young drivers.
Young people love to stay out late and push their limits.
It is a common misconception that "it can't happen to me.
" Close friends of mine were in a fatal head-on car accident at 2 am.
The young father who was driving fell asleep at the wheel and drifted into the other lane.
His wife and children survived but I'm sure would much rather have spent another day traveling and have their dad with them today.
STRATEGY: Don't push it.
Stay within the safe limits.
Do everything you can to keep your driving record free of accidents and tickets.
Don't drive when tired.
Studies show that your body will shut down when it reaches a certain level of fatigue.
You cannot keep going after that.
Be safe.
Keeping your driving record clear of any accidents or tickets and proving that you are a responsible driver by taking any defensive driving courses available will indicate to your insurance company that you are doing your best to lower your risk factor.
Many companies encourage this by giving you lower car insurance rates.