The phrase young drivers, in an insurance context, tends to refer to drivers commonly between the ages of 17 and 25 years old. This can sometimes be seen as a slightly patronising phrase, but in fact is basically a reflection of an age group that the insurance industry deems to be most at threat and for that reason the most high-priced group of automobile owners to insure.
While any generalisation is to some extent unfair, there is a lot of statistical evidence that supports the reality that the majority of claims and the majority of high-priced claims that the insurance market has to spend out comes from this age range of drivers.
There are two primary locations of concern to this age group. Firstly is the relatively obvious reality that simply because of their age they have not been able to develop up a adequate level of driving knowledge that give them the advantage of being capable to drive much more safely and securely than folks of an older generation may be capable to do. There is also a belief that men and women of this age group tend to be slightly much more irresponsible and erratic in their driving habits than folks who are in their late 20s, 30s and so on. This may or could not be true, but nevertheless is a factor in the quantity that insurance firms will charge.
Young drivers will inevitably pay a a lot greater insurance cost for their vehicle insurance than folks of an older age group. While they are gaining a level of knowledge that enables them to drive safely they will be developing a level also of what is identified as road awareness. It is this sense of getting capable to “read the road” that will substantially have an effect on their capacity to drive safely, and subsequently their safety record and quantity they spend for their car insurance.
Reading the road is a phrase applied to folks who drive, and tends to be a sense that folks choose up of what is happening around them they pay distinct focus to. This usually requires paying consideration to what other cars, cyclists, lorries, pedestrians and other road users are carrying out around them and anticipating what actions they might take, and what the consequences of these actions may well be. Reading the road is also about applying the correct level of speed to any offered predicament at a conscious level. This typically refers to driving slowly rather than driving quick, but reflects much more typically a sense of appropriateness to the speed of driving in any specific situation.
The other level of concern usually raised concerning this age group in relation to auto insurance, is that as an age group they are simply distracted, or a lot more easily distracted than people of a distinct age group might be. Traditionally this has constantly been observed as distraction in the sense of obtaining pals of theirs of a equivalent age in the auto, possibly showing off to them by driving as well quick or recklessly. It has also raised issues about driving at night when visibility and road circumstances are considerably more challenging to handle.
Distraction amongst young drivers, as effectively as most other drivers, has turn out to be a main situation much far more in current occasions because of the advent of cellphones and potential of drivers to make calls and send and get SMS messages at the identical time. Investigation by the United States government shows that this is as dangerous possibly as that of drink-driving. Distraction is a key concern because it is in the split-second exactly where people want to be aware of and focused of what is going on around them that choices are produced which profoundly impact the security of the driver, the passengers and other road customers who might be involved in any prospective incident.