Driving a High Performance Car: Reducing Your Premium Insurance Rate

Posted on September 24, 2012 by

Many young people, especially males, tend to overestimate their driving abilities. Nearly a half of all newly qualified drivers under the age of 25 have an accident within six months of passing their test and there are as many male drivers of the 17 to 25 age group killed in motor traffic accidents than in all other age groups combined; they also make a disproportionally high number of car insurance claims.

High performance car drivers have far more than their fair share of accidents too, and just as the cost of insurance for young drivers is very high, so is the cost of high performance car insurance and again an important factor is over confidence.  Just buying a high performance car does not make you a high performance driver; though many who do so think that it does.

If high performance car drivers were anything like as good drivers as they think they are, then they should have fewer accidents, not more. After all high performance cars don’t just have the ability to go faster and accelerate harder; they are more stable, have better brakes, handle much better, and in the right hands they are much better at avoiding trouble and driving out of danger; in the wrong hands they can be lethal weapons.

If you are considering buying a high performance car, then you should also think about taking a course in high performance driving. Not only would you benefit from learning much more about driving fast and safely than you have ever known, you might even benefit from cheaper insurance.

The two most important types of advanced motoring courses focus on defensive driving and car control. Defensive driving includes a number of areas such as your general attitude to driving; improving your observational skills and your reading of the road; how you should react to other drivers; and how to drive smoothly and safely. Don’t think that defensive driving is about being timid; in fact it is the opposite; it is about making rapid progress but safely. It is taught to all police drivers and many defensive driving courses are taught by retired traffic cops.

Car control courses focus on driving a car safely while at the edge of its grip. Consequently they involve understanding and handling understeer and oversteer, advanced braking techniques, and driving smoothly. The teaching generally takes place on tracks and skidpans rather than on public roads, though the new skills that you will learn are directly relevant to the road, and will equip you for circumstances such as suddenly encountering an icy surface, or having to brake exceptionally hard and simultaneously steer round a hazard.

If you intend to invest in a performance car, then it is worth investing in learning how to drive it safely while enjoying its full performance. You might think that you know already, but you are probably incorrect in making that assumption.