What car insurance for a young driver?

What car insurance for a young driver?


With your driver's license in your pocket, you are ready to become the owner of your first car. On the other hand, who says novice driver, says first subscription to an auto insurance and this inevitable and obligatory step can quickly be an unparalleled puzzle! Faced with the wide range of auto insurance plans for young drivers, make your choice efficiently, taking into account your needs, as well as your budget.

What is a young driver?
To do this, you first need to be aware of what young driver status entails, what it consists of and who is affected. The category of "young drivers" covers several profiles:

People who have never taken out auto insurance;
Young people under 25;
People who have obtained their driving license for less than 3 years (duration of the probationary license);
Motorists who have had to retake their driving license following its cancellation.
How to choose your young driver insurance?
First, note that purchasing auto insurance is a legal obligation. In order to be covered in the event of an incident, you need to find the insurance plan that suits your needs, your vehicle and your budget.

Third party auto insurance
This form of insurance is more commonly known as third party liability. Indeed, including only the so-called “basic” guarantees, it will be the least expensive. However, it will only cover bodily injury and material damage caused to third parties following an accident (injuries, death, damage to buildings or vehicles, etc.). As a result, third party insurance, as its name suggests, will not cover any damage caused to the insured or to his vehicle. Our professionals at Allianz will offer you subscription to additional guarantees. In addition, note that third party auto insurance plus offers you in addition to the so-called basic and mandatory formula, a guarantee against theft, fires, broken windshields or even attacks. In addition, if you are a novice driver, an additional premium will be applied to you.

All-risk auto insurance
If you have a recent car with significant monetary value, comprehensive auto insurance is the option to consider. Complete, this formula offers, in addition to the guarantees present in the third party insurance, a damage guarantee for all accidents. It includes, on the one hand, legal protection following a car accident. On the other hand, all damage to your vehicle is covered, whether the accident is your fault or not. By opting for this formula, although more expensive, you will have unparalleled protection. Regardless of the damage caused, you will benefit from unparalleled coverage. Indeed, it guarantees you coverage of your repair costs as well as medical costs. Damage caused by vandalism, attack, theft or attempted theft, natural disasters or broken windshields are all covered.

As with third-party insurance, you also have the option of purchasing additional options, in addition to your all-risk plan. Find guarantees for your personal belongings, such as DVD players, phones, laptops and tablets, as well as for replacement vehicles, 0 km breakdown assistance or mechanical assistance.

How to pay less for young driver insurance?
It should be noted that young drivers have, in the majority of cases, a reduced budget. In doing so, our teams of Allianz professionals will assist you in finding the insurance suitable for your budget and for your first vehicle. However, according to the latest statistics, young drivers cause about a quarter of serious traffic accidents. You must therefore protect yourself and your vehicle, but at a lower cost.

The first thing to do is choose a standard vehicle. Indeed, for a first insurance contract, do not opt ​​for a large displacement. Instead, get a used car that won't be worth much.

Second, if you want to significantly reduce your insurance costs, consider resolving small claims out of court (scratches, less damage to the body or lights, etc.). However, including for an amicable report, be sure to draft and sign it in order to keep a written and official record in the event of a future dispute.

Finally, to drive more calmly and without increasing your budget, remember to monitor your behavior once behind the wheel. As simple as it is, this advice