Young driver: choosing the right auto insurance

To an insurer, the young driver is the one that got her license for less than three years or has not been insured in the past three years. Here are our tips for reducing the rating of insurance contributions.

Win time

If you have the opportunity, first to drive the vehicle of your parents. Registration as an additional driver allows you to gain experience and seniority.

Having received accompanied driving is also an asset that can contribute to underestimate the contributions.

When purchasing your first car insurance personally, request a quote for the insurance of your parents.

Limit guarantees

Auto insurance is used primarily to compensate victims of an accident which you are responsible. This ensures "the third", which is mandatory.

Optionally, it can also protect your vehicle against theft, fire, glass breakage ... Unlike accidents, these claims are not more common among young drivers. The guarantee does not cost you so much more.

Namely: Insurance "all risk" of little interest to an older vehicle.

Remember the additional guarantees

Your car insurance can handle towing your car wreck, the loan of a vehicle during repair ... If you need a vehicle to get to your work or school, these guarantees can be precious: do not neglect them.

Think also about the personal driver insurance. This option compensates you if you are injured in an accident that you are responsible. What offset the loss of a job or a year of study if you had to be hospitalized several months for example.

Play the game

By signing your auto insurance policy, you are agreeing to its terms. If you cheat, you may see your insurance terminated and have a lot of trouble to make sure again. Surcharges "young driver" only last two years: in the meantime, be patient!

And because the insurance operate according to precise rules, inform yourself! Compare quotes, question your contacts, read the terms and conditions (the "rules of the game" of the contract).

Note: an auto insurance broker allows you to create competition by comparing several contracts. He can also advise you to choose the one that suits you best.

Ten tips For choosing your Car insurance

Select auto insurance, it is not only search for the lowest rate. To sign a contract that is perfectly suited you, define your needs and choose the insurance broker who will best.

The key word for the best auto insurance

The best auto insurance is the one that fits your lifestyle. You appreciate a personal contact? A general agent or auto insurance broker guidance and advice often a loyal customer for years. You do not want a single contact? The bancassurance allow you to consolidate all your contracts. You are little available? Online brokers offer extended hours and full remote management of your file. Be cunning, competition is not played on the rates!

A contract to your measurements

If the liability insurance ( "third") is mandatory for all auto insurance, a comprehensive warranty ("all risks") on an old vehicle is not necessarily justified. However, some options such as glass breakage, theft, fire, or towing can be useful in all cases: choose auto insurance where you can purchase the modular way. Also check if the contract offers a personal guarantee of the driver [link to the article by Edit Place], and whether this warranty covers all drivers of the vehicle, even casual.

An insurer that insures ...

Your car insurance needs to react quickly. For this, verify that the service to join disaster is also easily accessible as your sales representative. Your insurer is it a partner of a support network? He offers a ready vehicle for the duration of the repairs? Beware of testimonials on forums or websites, hardly significant.

Namely: if your insurer submits to an ISO standard, you are guaranteed that it meets a strict specification.

Special situations

If you drive slightly (usually less than 8,000 to 12,000 kilometers per year), auto insurance "low mileage" or kilometer can be more economical. However, ensure that the guarantees are otherwise the same as for standard contracts, and they are not changed when exceeding a threshold mileage.

Generally, insurers have developed specific proposals in response to the auto insurance needs of small rollers, young drivers, drivers with strong penalties, etc. These contracts are sometimes the only option to ensure, but do not fasten your choice without thinking: some general insurers may cover you.