Summary

The rising cost of running a car is proving too much for many young people - as this article explains.

Car insurance. Young drivers priced out of the market. Part 2

Author: Emma Williamson

There are other forces at work too. The general cost of being a young person such as university costs and a lack of income, debts, and low wages - all combine ( mortgage quotations ) to make it almost impossible to afford buying a car.

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So what are young people doing about it? A survey from Direct Line has ( mortgages ) shown that many rely on borrowing their parents' cars. Others are thinking about sharing a car with friends, so the costs are easier to deal with.

There are also other implications, namely on road safety. A spokeswoman from Direct Line said: "With fewer first-time drivers owning their own car there can be increased pressure on those with one to drive all their friends around". The survey showed ( life insurance quotations ) that 17% of young drivers feel pressurised by their friends to do the driving, 18% feel pressurised into taking more people into the car than it can legally hold, and 41% find it hard to concentrate on driving with passengers distracting them.

The car insurance industry has a few tricks up its sleeve to help young drivers get on the road. For example, Norwich Union has come up with a new scheme which allows young people to use a pay-as-you-drive scheme, see www.norwichunion.com/pay-as-you-drive for more information.

Insurance companies also offer incentives of up to 35% off for new drivers who have taken Pass Plus lessons, or who have taken a driving course with the Institute of Advanced Motorists. Lessons cost between £15 and £30 per hour but could save you hundreds on your car insurance.

For the cheapest car insurance deals, search on the Internet - car insurance ( cheap home insurance ) is invariably cheaper and many of the mainstream insurers offer online discounts - making it a little bit easier to get on the road!