Thousands of people including the young drivers aged between 17 to 21 acquire a licence for driving motor vehicles in Ireland every year. When getting a driver’s licence, these people should be aware of The Road Traffic Act to avoid getting into trouble with the law. Motorists should display their motor tax and motor insurance on their vehicle’s windshield so that the authority can easily see them. Vehicles can be impounded if found without these documents. Motor insurance does not only benefit the driver, but others as well in case you get into any vehicular accidents.
First-time drivers, who are usually the young adults, are more likely to get into motor accidents than those who have been driving for years. Insurance companies charge more when they find out that you have a high penalty point so it is a must to have a clean record when applying for a motor insurance. There are other ways on how young drivers can have a lower insurance rate and here are some of them:
Take Driving Tests
Aside from passing the driving test, it is also required to drive a car with a certificate driving instructor for at least 12 hours according to the new Graduate Driver Licensing system in Ireland. Insurance companies also base their rates on the driving experience of the applicant. There are some companies that require certain tests before giving discounts on motor insurance rates. For example, Aviva gives special rates to those who passed its one-hour Ignition Driving Assessment Test.
Choose The Right Car
Expensive cars such as the Acura RSX and the Chevrolet Cobalt Two-Door are likely to have higher insurance rates because they are prone to theft. Fast cars such as the Dodge Viper SRT-10 and BMW M6 also have high insurance rates because these vehicles have a high percentage of getting into accidents when driven at full speed. AOL Autos published an article of the least expensive cars to insure and on top of the list is the Hyundai Santa Fe.