Auto and young driver insurance: the need to choose the right car for the first time
In addition to choosing a fully personalized contract and playing the competition, you can save on your young driver car insurance by choosing your first car correctly. In fact, in addition to the criteria linked to your profile, insurers attach great importance to the characteristics of your vehicle when calculating the amount of your contributions.
Here are some tips to help you save money when choosing your first car:
Do not choose a car that is too powerful: a car with a large engine is considered too dangerous by insurers for young inexperienced drivers. So opt for a low-power vehicle. This will allow you to take your marks in the best possible way during the early stages of your driving life;
Do not choose a vehicle that is too expensive: buying a luxury car means taking out comprehensive insurance. Young drivers or “classic” drivers owning this type of vehicle will therefore necessarily have to pay higher contribution amounts.
How to insure your child as a young driver?
2 solutions are available to you if you want to insure your child who has just become a young driver:
Your child will drive your family car: you must notify your insurer who will register your child as a secondary driver. Note that this addition may have a negative effect on your insurance premium. It depends on the level of loyalty with your auto insurer. Indeed, some insurers can add your child at no cost. Do not hesitate to inquire with yours in order to know all the terms;
Your child will benefit from his own car: in this situation, it is necessary to take out specific insurance. As stated previously, due to its risky status, the premium may be high. So do not hesitate to compare all the offers on the market in order to find one at the best price and which perfectly meets the profile and driving habits of your child.
How to differentiate young driver and young license?
Did you know that even if you have had your driving license for more than 3 years you can still qualify as a young driver? Insurers have extended this status to other situations:
You take out your first auto insurance contract;
You have experienced a cancellation of your driving license;
You had no auto insurance for the past 2 years;
You never had an auto insurance contract in your name. That is, you were considered a secondary driver on your family's or spouse's car.
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