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Car Insurance - Don't Mix New and Old

Published Saturday, September 6, 2008 by bloggerblognet83460 | E-mail this post

It's a widely known fact that the majority of road accidents are caused by drivers who have only recently passed their test; but it's unclear as to whether this is actually due to reckless driving or if there's another, less obvious cause.

Everybody looks upon a newly-passed driver as a speed demon who can't wait to show off to friends and put foot to the floor. But in reality, a young driver is often more likely to be cautious when venturing out alone for the first time behind the wheel. While hesitancy on the roads can cause accidents if surrounded by less than vigilant experienced drivers, the cause is far more likely to be the car itself.

Although some doting parents buy their child their first car, this isn't a luxury afforded to every new driver. Often the treasured first car will be an older model, bought for 200 and paid for by the driver with hard-earned savings. This car will be significantly different to the one used by the driving school; the latter cars tend to handle properly, run smoothly with no juddering or spluttering, and generally behave themselves. An older car can be fraught with problems such as poor steering, worn brake disks, a faulty petrol gauge - all of which make for a car needing an experienced hand to control properly.

Young drivers tend to forget that things like tyre pressure, radiator water, windscreen washer fluid, engine oil, brake fluid and power steering fluid all need to be checked on a regular basis. Failure to do so can result in breakdowns and an out of control car, which the new driver may not be confident enough to handle. Even basic car maintenance like checking the tread on your tyres, making sure your lights work, replacing wiper blades when necessary and keeping your windows clean can help to reduce the likelihood of an accident.

So, it's not necessarily bad driving which makes insurers quote sky-high premiums for young drivers. The lack of basic car maintenance knowledge and the inability to handle the quirks of an older car can contribute greatly. The logical solution is to buy a car straight from the dealership if possible; not only will you be getting a car which handles similar to the driving school one you're used to, but you could also get the benefit of a year or two free insurance. This can tide you over until you've proved you can drive safely without accidents. And if you are in an accident, a newer car will more than likely have more safety features.

Cheap car insurance isn't in abundance for a new driver, but buying a new car can help get a lower premium due to safety and reliability. Consider buying a brand new car with free insurance to start you on the road to lower car insurance once you've gained experience on the roads.

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Car Insurance - Don't Mix New and Old

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