Drivers Permit Test
The age of freedom has arrived. This is when a teen has reached their sixteenth birthday. The sixteenth birthday year represents when a teenager can officially get their drivers license. Before this license will be presented however, you will have to get a drivers permit test. This permit is considered as being a temporary license.
The drivers permit test is generally issued so that the state and the police can determine if you have the ability to handle the vehicle in a responsible manner. The drivers permit test will be issued only when you have proven your ability to drive in the various traffic conditions. The department of motor vehicles will issue this drivers permit test at this point.
Once you have received your drivers permit test you have the ability of driving with this permit anywhere in your state. Should you leave the state and need to drive in another state, you will need to inform that state’s DMV about your being from out of state. At this point you will be issued a temporary driving permit for that particular state.
The more authentic information about drivers permit test you know, the more likely people are to consider you a drivers permit test expert. Read on for even more drivers permit test facts that you can share.
Regardless of where you have originally obtained your drivers permit test from, the road safety rules still need to be observed. In most states if you have a drivers permit test you will need to have a licensed 21 year old or older adult in the vehicle along with you. This individual must be seated in the front seat when you are driving.
Now even though you have received your drivers permit test you can still have this permit revoked if you are found to be breaking any of the laws. Even if you pay the fine that is set there is no guarantee that you will not have your drivers permit test suspended. To prevent such an incident form occurring it is best if you pay attention to the laws of the road when you are still getting acquainted with driving in the streets during rush hour.
The drivers permit test is the first step in your getting a drivers license. You will however need to prove to the authorities that you have the necessary ability to drive in any condition that presents itself. Once the conditions for your driving have been fulfilled you will be able to get your driving license.
The drivers permit test is presented to learner drivers. This permit will allow them to gain the necessary experience of being in control of a vehicle. As the permit is their first step to being able to have a driver’s license, it is necessary for the beginner driver demonstrate their total capability as a driver.
So now you know a little bit about drivers permit test. Even if you don't know everything, you've done something worthwhile: you've expanded your knowledge.
These days, young male drivers can face some of the highest car insurance premiums around. Even those with low value vehicles can be paying over 3000 for their car insurance! With such high prices, and trends unlikely to change in the near future, young male drivers need all the help they can get when it comes to lowering their car insurance premium.
The main reason for these lofty premiums is that young male drivers are seen as very high risk customers for insurance companies. They are assumed to have a higher exposure to alcohol and illicit drugs; are more inclined to overcrowd their vehicles; more likely to drive irresponsibly, and consequently more likely to be involved in an accident.
While it is obvious that this does not truly represent all young drivers, and there are plenty of young male drivers who drive responsibly, their premiums are being raised by the growing number of young, reckless male drivers who taint the statistics.
But as well as these (possibly unfair) assumptions that the insurance companies make, there are other factors they take into consideration when calculating your risk, and therefore the price of your insurance. It is these factors that you can do something about to help lower your insurance costs.
Claims & Convictions
If you are driving for the first time, or are a very young driver, you hopefully will not have been able to build up any claims or convictions. Like any driver, try not to make any claims or get any convictions at all.
If are unlucky enough to have made a claim already then your insurance is likely to be even higher. If this is the case, try a specialist in young driver car insurance such as QuoteA who can offer discounted policies for younger drivers and high-risk cases.
Keeping Your Car Safe
The less chance there is of you needing to make a claim, the lower your premium will be. Therefore the insurance companies want you to keep your car as safe as possible.
If you can, keep your car in a locked garage as this makes it a lot more difficult for your vehicle to be stolen or vandalised. Keeping your car on a driveway can still help to lower your premium slightly, whereas leaving your vehicle on the road will not help your premium at all. Other ways of securing your vehicle include having an immobiliser or a tracker installed. These can help to make a noticeable difference to your premium, but you must make sure your immobiliser is thatcham approved and your tracker is professionally installed.
Where you live
Although this isn't necessarily something you can change, you should be aware of the effect it can have on your premium. When calculating your insurance, your insurance company will look at the area you live in and price your premium accordingly. They will consider the crime-rate of the area to give an idea of the chance of your car being stolen or vandalised. They will also assess the traffic-density of the area - heavier traffic flow means you're more likely to be involved in an accident.
Pass Plus
The Pass Plus scheme may be one of the best ways for young drivers to save money when they first start driving a vehicle. It is run by the Driving Standards Agency and consists of a short course of further driving training after you have passed the standard driving test. The course covers town and country driving; dual carriageway and motorway driving; and all weather and night-time driving. Not only is it a great way to improve your skills and confidence, but because of the increased knowledge and safety you will learn, most insurance companies will discount up to 40% from your insurance premium! This is a lot of money you can save, but it is worth noting that the Pass Plus discount is only available for the first year of you driving. However, after this first year, you can still save a great deal with a "No Claims Bonus".
No Claims Bonus
Drivers who do not make any claims are rewarded with cheaper insurance costs. They are seen as a much lower risk and pay a lower premium accordingly. Every year of claim free driving earns you 1 years No Claims Bonus. These bonus's can offer huge reductions on your premium, from about 30% for 1 years NCB up to around 70% for 5 years NCB from some insurers. This means that if you get your Pass Plus certificate and do not make any claims during your first year, you can continue to make a saving in your second year because you will have earned your first years No Claims Bonus.
It is also worth noting that many young male drivers remain under their parents insurance policy to save them money. This may work out in the short term, but in the long term it is much better for young drivers to get their own policy and start building up their own No Claims Bonus. This way they will have built up a sufficient discount within just a few years.
Senior drivers can refresh their skills and knowledge -- and get a discount on auto insurance coverage in many states -- by taking a refresher driving course, such as the eight-hour '55 Alive' course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.
For more information and cheap deals on car insurance for younger drivers, visit www.quotea.co.uk.