How to pay less for your young driver's insurance?
Fortunately, there are still a few ways you can save money when it comes to choosing your young driver car insurance policy.
Accompanied driving. If you obtained your driving license as part of accompanied driving, know that you will automatically benefit from a 50% reduction in the additional premium charged by insurers for young licenses, from your first year of driving.
Dedicated offers. Some insurers offer premium reductions for drivers under the age of 25.
Choose your parents' insurer. If your parents are loyal policyholders and have a good track record, negotiating your youth car insurance policy with their insurance company can get you up to -30% premium reduction.
Insure yourself as a secondary driver on your parents' insurance contract. If you don't intend to use your car regularly or are just going to drive your parents' car, you can sign up as a second driver on their contract (or that of any other member of your family).
You will have to respect certain conditions of use of the vehicle, but you will save the additional young driver's license the time to become an experienced driver (3 years therefore) while gaining experience as a motorist. And this without your parents having to pay much more.
Opt for a used car and purchase third-party auto insurance. For your first car, no need to splurge! While you are in the know, pick a low value used small car. In fact, the price and power of the vehicle to be insured enter the premium calculation. If your car is not expensive, there is no need to take out comprehensive insurance. The basic formula will be sufficient.
Take out an auto insurance per kilometer or Pay as You Drive offer. With this contract, you no longer pay a fixed contribution but a flexible premium according to the journeys you make. Ideal if you rarely use your car.
Compare car insurance for young drivers to make the best choice
It doesn't matter whether young or not, every motorist and buyer of a new vehicle should have basic reflexes when choosing and determining the type of auto insurance policy that is right for them.
The young driver remains above all a motorist who seeks optimal coverage for his vehicle, at the best price. The priority is therefore to adapt your auto insurance contract to the type of vehicle you own and the use you are going to make of it. Third party insurance with liability coverage can be financially attractive, but its coverage remains very limited in the event of an accident.
Increasing your protection in the event of an accident is therefore crucial for a young driver who has recently obtained the license and has a relatively new vehicle.
On the other hand, comprehensive protection is not necessarily ideal financially for young drivers. It is then necessary to make the most of the competition and compare the different offers. Do not hesitate to request auto insurance quotes online from different companies using our auto insurance comparator to save precious time.
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