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Insurance is very, very expensive for a certain group of drivers. Unfortunately, statistics prove that newly qualified young men are a particularly poor insurance risk. A risk that rises significantly between the hours of 11pm and 6am.

Naturally all parents want to help their children to gain a degree of independence and the vast majority of 17 year olds are keen to learn to drive. Several years of running their offspring around and keeping their social diaries, as well as your own, may now be coming to an end and many parents take the decision to help with the insurance costs. The parents of girls come out a little better off, financially, but for those with sons - read on.

It seems that young males are an amazing 62 times more likely have convictions for dangerous driving than young women. Out of over 7000 convictions for dangerous driving or causing death or bodily harm, 33% were attributable to young men aged between 17 and 20.

The worst time for these offences and for accidents i (more...)

High-risk car insurance cost more for many reasons. Depending on why you are considered high-risk, you might want to take some steps to correct the problem that causes you to be classified as high-risk. Some possible reasons you may be classified as high-risk are, a poor driving record, poor credit history, gender and age, marital status and the type of car you drive.

The age of the driver affects your auto insurance quotes and increases your car insurance rate. If your age is twenty-five years or younger, your insurance rate will be higher because you are considered a high-risk driver. The ideal driving age for lower auto insurance quotes are between fifty and sixty-five. This does not mean any other age will be higher, it just shows the ideal driving age for insurance companies

Your driving records reflect how much your car insurance rate will cost. If you have, speeding or an OWI violation you will pay a higher car insurance rate. Insurance companies go as far back as ten years on your dr (more...)