<p>It is very important for young drivers to have insurance. Not only is this a legal requirement for driving on the road but statistically you are more likely to have an accident than older drivers. Could you afford to repair or replace your car if it is damaged during an accident? Affordable young driver car insurance is available so you should be able to find cover even if you are on a tight budget. </p>
<p>What Does Young Drivers' Insurance Cover?</p>
<p>Coverage will depend on the type of car insurance policy you have and the individual provider. On a basic level all motor insurance is designed to protect drivers against liability. If you are involved in an accident that was your fault your insurance policy will cover any of the costs incurred which could include repairs to vehicles involved and any medical bills. If the accident was not your fault then the other person's insurance will cover the resulting costs. It is important to look into the various types of young drivers' insurance products offered. This will help you to understand what cover is available and which policies will best suit your requirements.</p>
<p>Premiums</p>
<p>There are a number of factors which are taken into account when insurance underwriters are setting policy premiums for young drivers' insurance. By understanding the main influences on insurance you can get a better idea about how to save money. For example security is major factor on assessing the risk of your car becoming damaged or stolen. This means that you can save money on your premiums by increasing the security of your vehicles and reducing the risk of theft and damage. Steps you can take include installing an industry approved car alarm and parking your car in a safe place when not in use (driveway or secure garage). Other factors which can reduce young driver car insurance costs can include:</p>
<p>? Car Make and Model - there is a vast amount of statistical data available to insurance companies when it comes to motor accidents and theft. This allows each make and model of car to be rated in terms of assumed risk. Young drivers should try to avoid those cars that are rated higher risk as this can really push their premiums prices up. </p>
<p>? Car Use - insurance providers will want to know what you intend to use your car for when you apply for young drivers insurance. This is another risk indicator that could affect your premium. In general if you use your car for commuting then you will most likely be building up higher mileage each year. This means more time spent on the roads and more chance of an accident. In general if you use your car for just domestic use and average mileage you will get slightly lower premiums.</p>
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