Young drivers in Ireland looking to keep their car insurance premiums as low as possible may like to reduce the number of gadgets they have in their vehicles. If you have recently passed your test and are keen to get on the roads it is more important than ever that you find affordable insurance deals. Insurers look at individual drivers and, based on a range of criteria, decide the cost of your policy depending how likely it is you will need to make a claim. As you are probably well aware, the younger a motorist is the more expensive his or her premiums, as these drivers are more often linked with accidents than those in other age brackets.
One way to limit the chances you will be involved in a collision is to keep the number of hi-tech devices in your car to a minimum. As a driver who is in their teens or early-twenties, your premiums will rise further if you make claims or get points on your licence. Research has shown that car owners in this age group tend to be more distracted by their vehicle’s gadgets than older motorists, indicating you may be able to avoid motor insurance hikes by limiting digital devices.
One of the most common distractions for younger drivers are CD players, while changing radio channels may also cause you to break your concentration, putting you at risk of encountering a road accident. Other popular devices that could prove dangerous, and can have a negative impact on your car insurance premiums, include mobile phones and sat navs. Despite the legal and health implications, some drivers still admit to using their phones while on the road.
To avoid accidents and getting points on your license for mobile use, it is recommended that you get a hands-free kit for your vehicle so you can be confident you are not breaking the law. Devices that are not illegal to use, but are still seen as distracting, are satellite navigation instruments. These are an ideal way of getting from A to B with ease, but they are not without their problems.
Younger drivers are more likely to find the digital devices break their concentration when they are driving, suggesting that old-fashioned maps and sign posts may be a preferable method of getting to your destination during times when you may be overloaded with other kinds of information, such as when you enter busy city centres or when you are tired. As well as these digital devices, younger people tend to struggle more to keep their minds on the roads when they carry out in-car tasks like changing air conditioning settings or responding to the vehicle’s emergency lights.
Once you have decided to limit the use of some hi-tech mod-cons so you are better able to concentrate while driving, it is a good idea to shop around for deals targeted at motorists in your age group. For example, some insurers offer discounts to young motorists who have been a named driver on someone else’s policy, such as a parent’s, which can help you keep your premiums at an affordable level.
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