Young driver insurance: how to pay less?
It is well known that the amount of auto insurance is higher for young drivers. Discover our tips for reducing the bill.
The statistics are clear, drivers aged 18 to 24 are the most at-risk road users, while they are involved in a quarter of fatal accidents and are also the main victims as motorists. And inevitably, this is reflected in the price of young driver insurance, which is higher for this category, due to the increased risk. But don't panic, it is quite possible to limit the cost of the contribution, by following a few simple tips, allowing you to save several tens of euros on your total premium. This includes choosing your car, which also counts a lot in the total price you will have to pay each month or each year. Indeed, many criteria are then taken into account, such as the model, but also the power of the vehicle. So avoid offering yourself the latest fashionable sports car, otherwise the bill will go up!
The ideal is therefore to choose a second-hand car with little power. Indeed, the value of the car is also a parameter that insurance companies look at when establishing the quote. Because it costs much more to reimburse a new, high-end vehicle than a low-cost model in old age! In addition, before taking out auto insurance, opting for a car with a low coast will also allow you to limit your contract to a one-third, less expensive formula. This then covers all bodily injury caused by the driver to third parties, and avoids unnecessary expenses as well as guarantees that would not necessarily be necessary for an already aged car. However, you can complete your offer with guarantees covering theft and broken glass, which will then cost you a little more, but which could save you big expenses in the event of a hard blow. The all-risk formula should be considered if you are looking for comprehensive coverage.
Avoid the penalty
When taking out an insurance contract, an additional premium is applied if the driver has held a driving license for less than three years or if he can not prove insurance for the past three years. It is therefore better to avoid having an additional penalty! To do this, the best thing to do is obviously to be vigilant behind the wheel, and to adopt responsible driving. But no one is safe from a responsible accident, caused by fatigue or inattention. In this case, and if the damage is minimal, such as a scratch or a broken light, the best thing is to settle things amicably, in order to avoid incurring a penalty which would further increase the price. of your contribution. Of course, do not force the injured party, who is entitled to refuse this arrangement and never forget to fill out and sign a report in order to keep track in the event of a dispute.
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