Personal circumstances and car insurance policies

You will find that prices for car insurance will vary based on your personal circumstances. Certain people will pay more than others for their policy, even if they own the same type of car.

In general, younger drivers will pay more for their car insurance than others drivers. This is because younger drivers are statistically more likely to cause serious accidents. The price of your insurance is likely to decrease when you turn 25, as long as you have a good driving record. If you are a young driver looking for the cheapest car insurance, there are a number of things you can do to reduce the cost:

  • Take an advanced driving test
  • Avoid owning a fast car with a turbo engine
  • Insure your car in your parents name
  • Look for insurance companies that specialise in young or student drivers

Drivers? aged between 50 and 70 are thought to be the safest drivers on the road, and are therefore rewarded with lower premiums. Senior drivers have more road experience, and statistically have fewer and less severe accidents.

Women drivers often pay lower car insurance premiums than men. This is because women are considered to be safer drivers than men. They don’t necessarily have fewer accidents, but they cause less damage and therefore make smaller claims.