Many insurers have recently confirmed that they will be charging more from drivers for the type of car that they drive. Previously insurers were quite lenient about charging premiums, with many drivers finding that their monthly premium amounts did not increase once they decided to change their car, or their driving style. However it has been noted that there has been a recent increase in the number of claims filed by new, younger, inexperienced and more reckless younger drivers, who are now statistically more likely to be involved in accidents than older more experienced drivers. If you wish to learn more about this, visit getting into a wreck.
It has also been pointed out that it is these new drivers who have chosen to drive more irresponsibly, and consequently have put themselves at greater risk of meeting with an accident that would have been avoided if they had followed proper road safety guidelines. One of the main causes of this irresponsible behaviour is the increased use of handheld mobile phones by younger drivers.
The increase in the number of claims that insurers have been making due to the behavior of younger, inexperienced drivers has been blamed on the fact that some younger drivers do not follow simple road safety rules such as wearing a safety belt, or maintaining a proper distance between their cars and others on the road. This of course does not mean that all younger drivers are simply negligent, and many will argue that they follow all the safety guidelines that they are legally entitled too. However one of the ways that car insurance premiums can be affected is by changing the driver profile that you take onto the policy, and in some cases the drivers that are added onto a policy from new drivers or those that have been previously added to the policy are being charged higher premiums than the other drivers that are added to the same policy but are younger drivers.
So what are the main reasons for the car insurance premiums rise? One of the main reasons that it has been noticed is due to the fact that younger, inexperienced drivers are being added to policies without consideration as to their past driving record. As the main drivers are just starting to learn how to drive, and unfortunately do not follow all the simple road safety rules, this then puts their own lives in danger. It is essential that you always consider all of the factors which influence your car insurance premiums before taking a policy off, as if you do not, you could find that you are in for a nasty shock when you need it most.