Driver Profiles
Young Driver - Male under 25
You've got your licence and your car - now there's no stopping you at school, uni or work. Because you're under 25, you'll have to wait for discounts offered to drivers aged 25+. For this profile, we set your car's market value between $5,000 and $22,500. We took into account driver ratings of 3, 4 and 5 and included 1 speeding ticket within the last 12 months, as an average driving history.
Young Driver - Female under 25
This profile is exactly the same as the previous, with one obvious exception. From a car insurance point of view, the sex of young drivers makes a big difference. Road crash figures suggest males are more risky, and therefore more expensive, to insure.
Male Driver - mid-to-late 20s
An accident-free driving record means this driver, aged 25 to 29, has progressed to a rating 1 or 2. For our profile, we put this driver behind the wheel of a medium-priced car, valued between $10,000 and $27,500. As no-one under 25 will be driving this car, it's ideal if looking for a standard comprehensive policy with no extras.
Female Driver - mid-to-late 20s
Our profile is exactly the same as the previous. The difference in sex, while not as crucial as in the young, first-time drivers, is nevertheless of significance to some car insurance companies.
Driver - over 30
As there are no young drivers to be considered with this profile, this male or female benefits further from competitive prices. The driver in this profile qualifies for a rating 1 or 2 on their policy and has a good driving history. The value of the car driven is between $10,000 and $32,500.
Car Connoisseur - over 30
No kids, at least not of driving age, and more disposable income mean this driver can afford a more expensive and desirable car. Sure, the car cost extra to insure but this driver has a good rating of 1 or 2. For our profile, we have selected the market value of the car driven by the car connoisseur to range from $45,000 to $75,000.
Family - with at least one young driver
The stereotypical family consists of mum and/or dad who have a good driving history and qualify for a rating 1 or 2 and perhaps a son and daughter who are both aged under 25. The family wishes to insure their car, valued at between $15,000 and $37,500, for the entire household to drive.
Mature Drivers - over 60
These long-time drivers are looking for a hassle-free policy which provides a few more features to make their lives easier, should they have to make a claim. They have a good driving history and their rating 1 or 2 shows that they are entitled to a good discount on their policy. Their car is valued at $10,000 to $35,000 and there are no young drivers to complicate matters.
Congratulations - you are unique
As you can see by our profiles, detailed above, none is exactly right for you. Perhaps you are a young driver who owns a Lotus convertible, have a very colourful claims history, or are an aged pensioner who only drives his Hummer to church on a Sunday.
Whatever the reason you fall outside the average, your best option is to phone your preferred insurance company, or alternatively, talk to an insurance broker.
