Inexperienced Drivers: Saving Money for Drivers Under 25

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The IPDE process is a four-stage method of defensive driving that is taught in some schools for new drivers. Whether you learn the IPDE process or another means of defensive driving, the basic concept is the same.

It is about being aware and being able to react quickly and appropriately.

IPDE stands for Identify, Predict, Decide, and Execute:

• Identify potential incidents
• Predict what is going to happen
• Decide the best course of action to avoid problems
• Execute your decision

While this sounds like common sense, the difficulty is in the overall timeframe you have to act. When it comes to driving a car, IPDE must take place within a matter of seconds.

If you are driving down a road surrounded by forest preserves, you should be aware of the dangers of wild animals crossing the street. This means you need to be extra attentive to your driving patterns, such as your speed, and you should be aware of your surroundings.

However, when a deer actually jumps out onto the road in front of your oncoming car, you now only have seconds to deliver IPDE.

As soon as you identify the deer has jumped in front of you, predict that it will freeze in its path instead, decide that you must steer clear of it, and execute that decision by checking your blind spots for clearance and maneuvering your car accordingly.

Any driver, whether inexperienced or not, may have a slow reaction time, not think the process through clearly, slam on the brakes without checking for other cars in the rearview mirror, or just panic and make a less-than-desirable decision.

However, an experienced driver is more likely that a young driver to react better automatically simply based on previous driving experience.

Taking a defensive driving course that teaches you about IPDE or other methods can help you reduce your car insurance premiums.

Even if driver’s education is not required in your state if you are under 25, car insurance rates may be lower if you successfully complete a course in it.

Be sure to check out the various car insurance rates available no matter what your age.

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Other Ways to Save on Car Insurance if You’re Under 25

You can also save money if you are in school and maintain good grades. Statistics show that if you are a good student then you are most likely a responsible person and that responsibility will carry over into others aspects of your life such as driving.

Therefore, car insurance companies consider you to be less of a risk and are willing to reduce your premium accordingly.

Whether you live at home or not, if you’re under 25 car insurance is going to be expensive. You may be able to get a better rate, however, if you are added to someone else’s insurance policy, such as your parents.

If you are married and under 25, car insurance may be cheaper also because statistics show that if you are married you are more likely to be responsible and therefore a lesser risk.

Going From Under 25 to Over 25 with Your Car Insurance

Twenty-five is not a magic number by any means when it comes to driving and car insurance. It is just a standard that is used by the majority of car insurance companies in determining an appropriate age cut-off for various types of coverage.

For example, most car insurance companies will automatically cover all drivers who are over 25 but exclude coverage for anyone under 25 unless they are directly added to your car insurance policy.

However, some car insurance policies may cite an age of 27, so you need to read your policy carefully to make sure your car insurance coverage is appropriate.

Once you age past the insurance company’s inexperienced age consideration, be sure to request a new quote from your insurance company.

While there are many ways to save money, make sure you evaluate your car insurance. You may not know that you are paying too much and you could save a significant amount of money.

Whether you are over 25 or under, car insurance companies will offer you different rates, so shop around for multiple car insurance quotes now by entering your ZIP code in the box below.

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