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.
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