Insurance Tutor

People generally start to see cheaper car insurance premiums after they reach the age of 25. This is sometimes referred to as a “magic age” in terms of car cover, and companies believe drivers above this age deserve a lower cost because they are past the early stages of driving when they might be more inclined to drive irresponsibly or without full attention.

Other members of the motoring public who could get slightly cheaper car insurance premiums are women drivers. This isn't necessarily because they are better drivers, but because in general they make less expensive claims and fewer claims.

Insurers offer women cheaper deals because traditionally their driving is associated with more minor damage, whereas men are theoretically more prone to significant smashes and even write-offs. Men are generally more likely to clock up speeding tickets than women as well, and typically drive further on a yearly basis, meaning they have a higher annual mileage and are on the road more often compared to women.

Drivers over 50 are traditionally also able to get cheaper policies from many companies, and some firms even specialize in offering cheap policies to those who have reached the half century. However, “over fifty” does not necessarily mean a car insurance company will give a discount to anyone over this age.