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If you are a younger driver then you will understand how frustrating it can be for you to have to pay an extortionate amount for your insurance policy. After all, it doesn’t matter how careful you are or how hard you work, because young drivers are continually faced with high insurance rates regardless of the car they choose, their history and anything else of the sort.

Inexperience

When you pass your driving test, this ultimately means that you are ready to take on the roads by yourself. It also means that you are bound to drive according to the type of road, the weather and various other factors as well. Inexperience is one of the many reasons why so many people have accidents when they are new to driving and the main reason for this is because they are not able to anticipate hazards. For example, if an animal were to run out in front of the road, you would panic if this has never happened to you before and you may also make the wrong decision as to which way to turn or swerve. This can cause you to be in an accident, but if you are an experienced driver then you may be able to retain control of the car as to avoid the accident.




Taking Risks

It is true that most young drivers are sensible when they are out on the road but it is a known fact that younger drivers like to take risks as well. They won’t wear a seatbelt and they will also weave through traffic. Younger drivers also have a record when it comes to speeding and they also try and impress the passengers who are with them by taking risks. This is one of the many reasons why younger drivers are involved in much more accidents when compared to older drivers and it is also one of the many reasons why so many cheap auto insurance companies offer black box options as well.




Driving at Night

It doesn’t matter how old you are, because you are much more likely to have an accident when you drive at night because your vision is impaired. Younger drivers tend to have the highest percentage of miles at night and therefore this puts them at even more risk of having an accident. This is one of the many reasons why car insurance is so expensive for younger drivers but it is also one of the many reasons why so many car insurance companies insist on younger drivers having a black box. When you have a black box, this will mark you down if you go out at night and it will also mark you down if you speed, if you drive dangerously or anything else of the sort. If you get a good score, car insurance companies will often offer you a cheaper rate when the time does come for you to take out your new premium so there are rewards to be had.

Of course, younger drivers are more at risk for a number of reasons, but there are things that you can do to make your existing policy cheaper if you are a young driver.