One in Five Drivers Uninsured Due to Expensive Car Insurance Quotes

Recent research from one of the big price comparison sites has found that 20 per cent of motorists have driven without insurance this year. The rise in uninsured drivers is up by a third from the levels recorded in 2008, which means more people are turning away from the law and instead opting to drive illegally without the protection of vehicle insurance.

Although 62 per cent of the poll's respondents felt that motorists who drive without insurance should be threatened with harsher punishments, increasing the severity of motoring penalties may not be the way forward to solving the problem of uninsured drivers. Understanding the reason behind the problem can often lead to finding an effective solution.

The largest demographic of uninsured drivers are young drivers. When young and newly qualified motorists apply for car insurance quotes, they can be discouraged to find exorbitant insurance fees, pushing them to not bother with insurance at all.

With premiums on some car insurance quotes running to thousands of pounds, getting a vehicle insured can be a step too far for many young drivers with limited finances. Some insurers have started offering car insurance quotes for a new "pay-as-you-drive" scheme, which has made it more affordable for young drivers in the UK to get insured. The added bonus of this initiative is that drivers are less likely to drive their cars unnecessarily.

Car insurance quotes could be made more manageable for young drivers if the Government subsidised insurance for very high premiums and a low income. 15 per cent of the survey believed Government subsidies to be a practical solution to combating uninsured drivers.

Which? insurance expert Dan Moore said: "Something clearly needs to be done to protect pedestrians and legitimate road users. Insurers should be taking the lead in encouraging consumers to buy adequate insurance". Mr Moore believed that reducing price structures on car insurance quotes was the best way to combat the problem.

Until change comes to the insurance industry, drivers will have to console themselves with finding the cheapest car insurance quotes currently available on the market. These are most easily found by using price comparison websites in order to find the ideal insurance policy for your situation.