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How a GPS Tracker for Car Insurance Helps Young & New Drivers

10th March 2025

For young and new drivers, getting car insurance can be both expensive and challenging. Due to their limited experience on the road, insurers often see them as high-risk, leading to increased premiums. Additionally, concerns about safety, responsible driving, and vehicle security make it essential for new drivers and their families to consider effective solutions. 

A GPS tracker for car insurance is a powerful tool that addresses these issues by promoting safer driving habits, reducing insurance costs, and offering protection against theft. By integrating a GPS tracker into their vehicle, young drivers can benefit from improved security, potential premium reductions, and greater overall confidence on the road.

How GPS Trackers Reduce Insurance Costs

The Risk Profile of Young Drivers

Insurance companies classify young and new drivers as high-risk due to their limited experience on the road. Statistically, they are more likely to be involved in accidents, which leads to higher insurance premiums. However, installing an insurance-approved vehicle tracker can significantly lower these costs by demonstrating responsible driving behaviour and providing anti-theft benefits.

How Insurers Use GPS Data

GPS trackers collect real-time data on driving habits, including speed, braking, and route choices. Insurers can use this information to offer personalised discounts to safer drivers. Those who consistently demonstrate responsible driving may qualify for lower premiums over time, making GPS tracking a cost-effective investment.

For those looking to reduce insurance costs, SAS Mobile offers a range of insurance-approved vehicle trackers, including S5 vehicle trackers and S7 car trackers, which comply with insurer requirements and help lower premiums.

Enhancing Safety for New Drivers

Peace of Mind for Parents

For parents of young drivers, a GPS tracker offers peace of mind by allowing real-time monitoring of their child’s location and driving habits. Knowing that they can check if their child is driving safely, sticking to planned routes, and avoiding risky behaviours can be reassuring.

Emergency Assistance Features

Many modern GPS trackers come with built-in emergency assistance features. If a vehicle is involved in an accident, impact detection can automatically alert emergency contacts or authorities. Some models also have an SOS button, allowing the driver to call for help instantly in case of a breakdown or other emergencies.

For young drivers who may feel nervous on the road, GPS tracking offers an extra layer of security. Knowing that help is available at the touch of a button can boost confidence and encourage responsible driving habits.

Preventing Theft and Recovering Stolen Vehicles

GPS tracking provides enhanced security, helping to prevent theft and recover stolen vehicles - a crucial benefit for younger drivers, who are often more vulnerable to car theft.

Why Young Drivers Are at Higher Risk of Car Theft

Car theft is a growing concern in the UK, and young drivers are often targeted due to their preference for small, modern vehicles that are easy to resell. Additionally, first-time car owners may not have invested in additional security measures, making them more vulnerable.

How GPS Tracking Prevents Theft

GPS tracking technology has emerged as an effective solution for preventing and recovering stolen vehicles and there are many ways in which a GPS tracking device in your car can prevent its theft:

Acting as a Deterrent

A GPS tracker serves as a strong deterrent to thieves. Criminals are less likely to target vehicles equipped with tracking devices, knowing they can be easily traced and recovered by law enforcement. The mere presence of a GPS tracker can discourage theft before it even happens.

Real-Time Tracking for Quick Recovery

In the unfortunate event of a theft, GPS tracking allows owners and authorities to monitor the vehicle’s location in real-time. This significantly increases the chances of a swift recovery, minimising financial losses and reducing the likelihood of costly insurance claims.

Remote Immobilisation for Added Security

Some insurance-approved GPS trackers come with advanced security features such as remote immobilisation. This allows vehicle owners to disable their stolen vehicle remotely, preventing further movement until authorities arrive. Such features enhance security and improve the chances of retrieving the vehicle without damage.

Geofencing Alerts for Unauthorised Movement

Many modern GPS tracking systems allow users to set virtual boundaries, known as geofences. If a vehicle moves outside a designated area without authorisation, an instant alert is sent to the owner. This feature is particularly useful for businesses managing fleets or high-value vehicles.

Tamper Alerts and Anti-Jamming Technology

Advanced GPS trackers include tamper detection and anti-jamming features. If someone tries to remove or disable the device, the system sends an alert, allowing the owner to take immediate action. Anti-jamming technology also prevents thieves from using signal-blocking devices to interfere with tracking.

Lower Insurance Premiums

Many insurance companies recognise the effectiveness of GPS trackers and offer lower premiums for vehicles equipped with approved tracking systems. This not only enhances security but also results in long-term financial savings for vehicle owners.

24/7 Monitoring and Assistance

Some GPS tracking services include round-the-clock monitoring, where a professional security team can track the vehicle and liaise with law enforcement in the event of a theft. This extra layer of protection provides added peace of mind.

SAS Mobile provides a selection of high-quality insurance-approved vehicle trackers that offer these essential security features.

The Long-Term Benefits of GPS Tracking

Here’s how GPS tracking devices that are installed in vehicles can benefit new and young motorists in the long run:

Building a Responsible Driving History

Using a GPS tracker for car insurance is more than just an initial cost-saving measure - it helps young drivers build a history of responsible driving. This can lead to further discounts and better insurance deals in the future, as insurers reward safe driving behaviour.

Future-Proofing Against Rising Premiums

With car insurance premiums consistently rising, especially for younger drivers, having a GPS tracker ensures long-term savings. As tracking technology continues to improve, insurers may introduce even more personalised pricing models based on real-world driving data.

Enhanced Driving Awareness

A GPS tracker not only provides insights for insurers but also helps drivers improve their own habits. By reviewing their driving data, new drivers can identify areas for improvement, such as smoother braking and better speed management, which contributes to their overall road safety.

Choosing the Right GPS Tracker

Types of Insurance-Approved Trackers

There are different categories of GPS trackers available, with S5 vehicle tracking devices and S7 trackers being the most common for insurance purposes. S5 vehicle trackers include driver recognition systems and advanced theft prevention features. S7 car trackers provide essential tracking and recovery features at a more affordable price point.

Installation and Compliance

Most insurance-approved GPS trackers need to be professionally installed and comply with Thatcham security standards. Choosing a reliable provider like SAS Mobile ensures that your tracker is installed correctly. meets all requirements and provides maximum benefits to new and young drivers.

Whether you're a young driver looking to reduce insurance costs or a parent seeking peace of mind, investing in an insurance-approved GPS tracker is a smart decision, to enhance safety, lower premiums, and protect against theft.

Buy Your Insurance Approved Tracker From Safe & Sound

If you're a new or young driver looking to benefit from the discounts and gain all the added advantages of GPS tracking for your vehicle, explore our range of insurance-approved vehicle trackers. Start saving on your premiums today while enjoying the security and peace of mind that come with advanced GPS tracking technology.

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