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The Best Car Insurance: Young Driver Edition

As a young driver, there are many complexities and challenges you have to overcome. One of the most vital among them is the type of insurance policy you take out.

Finding the best car insurance that gives you the desired coverage you need, for the most cost-efficient premiums can be tricky.

But fear not, young drivers, as there’s a simple and effective solution to this challenge: telematics insurance.

Read on to find out more, or find the best car telematics here.

What is telematics car insurance?

Telematics car insurance is an excellent insurance policy that allows drivers to be assessed on their unique driving behaviors, so they can be offered premiums that are aligned with how safely they drive.

Telematics assesses your driving using technology that’s installed in your car, through either a chip that’s installed in your windshield, or an app installed on your phone. With this method, you must have location services active at all times.

The technology the transmits data using telecommunications – phone lines, cellular networks, and cables, for example, as well as informatics, i.e., computer systems that store and organize data.

There are various aspects of your driving the technology can analyze and send to your insurer. This can include how well you execute turns and other maneuvers, whether you follow speed limits properly, how safely you stop at stop lines, the times of day you drive, and many other things.

Once this data has been gathered, it’s transmitted to your insurance provider so they can gain a clear and accurate picture of your driving behaviors.

This data is then used to adjust your insurance premiums, so they align with your level of safety as a driver.

Why is telematics insurance the best policy for young drivers?

Telematics insurance is a great policy for all drivers, but for young drivers in particular, for a wide range of reasons, including:

  • Insurance premiums tailored to your unique driving

Statistics show that most insurance providers will offer increased premium rates for young drivers, because they’re more likely to be involved in an accident.

However, this is a generalization that can unfairly cost young drivers extra money on their premiums, when in fact, they’re safe and law-abiding drivers.

With telematics insurance, you can receive premiums which are specifically based on your unique driving behaviors, not a generalization of how you’re expected to drive.

Using telematics, your insurer won’t need to rely on the general assumptions of your driving, but instead, they’ll gain an accurate picture of how you actually drive.

Therefore, they’ll see that despite your age, you’re a safe driver, and you can receive lower premiums accordingly.

  • Improved safety in the case of an emergency

Telematics insurance can also benefit young drivers by giving them more confidence and safety in cases of an emergency.

Once again, statistics show that young drivers are more likely to be involved in an accident, or even experience a breakdown.

However, telematics uses location-based technology that can increase your safety during these times. It uses global positioning system (GPS) to continuously track your vehicle location.

Therefore, when you require roadside assistance, you can get it sent out to you much faster, and to your exact location – which is clearly pinpointed by your telematics.

  • Discounted premiums for low mileage

As a young driver, you can also benefit from the fact that telematics insurance tracks your mileage, and can offer discounted premiums for less frequent driving.

The more you drive, the more likely you are to be involved in an accident, and this is why insurers increase premium costs for higher road mileage.

However, you may be a young driver who only does short journeys, and is not yet ready to drive long distances.

Therefore, your telematics will clearly show this to your insurer, so they can lower your premium costs to match your low mileage, as you’ll have a lower likelihood of being involved in an accident.

With the right telematics policy from an expert provider, you’ll find the best insurance option for you and your car, so your young driving experience can get off on the right foot – or…wheel.




Jeff Campbell