Car Insurance Tips for new drivers

Car Insurance Tips for new drivers

Insurance Tips for new driversIf the driving test mastered, many young people are looking forward to their first car. But when a novice driver would like to assure his first car, he often experienced a nasty surprise. Frequently novice must grab for their first car insurance deep into their pockets.

The reason for this is that young drivers are inexperienced and build statistically seen frequent accidents. Therefore, they have to pay a kind of risk premium. Typically, novice drivers receive the claims category (SF) 0 - representing about 240 per cent of the basic tariff.

Collision insurance, claims bonus, deductible: Ironically, the car insurance that requires every motorist, is one of the most complicated types of policies. Clear the newbies just here to do with the conclusion of particularly difficult.

As novice drivers insured low
In most cases, however, new drivers can reduce the resulting insurance costs for their first car felt already with simple measures.



These are the tips you should know:

Tip # 1: Car insurance contributions reduce by the parent-child control
Many companies offer a special family discount if your car is registered with the insurance of their parents. As part of the parent-child regulation is a classification of the vehicle in the claims category ½ or higher, which can decrease the cost of insurance.

Tip 2: Car insurance contributions reduce by the second vehicle control
a vehicle can be registered by a parent as a second car. Thus, the criminal class for beginners is always bypassed. Some insurance companies, it is even possible to obtain the claims category of Erstwagens also for the second car. However, it should be ensured that the beginner the second car may also go. Some insurance companies include here under 24 years than riders from to offer motorists a cheap insurance for a "real" second car can. It must also be examined whether the insurance combines the claims classes of contracts. If the beginner then build an accident, both policies will be upgraded in this model. Thus a contract should not lock.

Tip 3: Motor insurance contributions reduce by participating in a driving safety training
novice drivers who can prove participation in a driver safety training, take advantage of cheaper rates at many insurance companies. Safety training offered by the ADAC and other automobile clubs.

Tip 4: Car insurance contributions reduce by driving practice (Accompanied driving from 17)
With some providers, the insurance premium is reduced if beginner already driving experience under the "accompanied driving from 17 collected". According to statistics, the "BF17" graduates are involved by 19 percent to less accidents and less often violate traffic regulations than their peers drivers who in the normal way their driver's license made.

Tip # 5: Car insurance contributions reduce by purchasing a low-vehicle type classes
The car insurance works with the so-called type classes that can lead to very different contributions. So limousines are usually more expensive than compact cars, some models show a negative accident history and are therefore also more expensive.

Tip 6: lower car insurance contributions can be transferred by percentages
novice drivers can also damage freedom years of close relatives (kinship first degree or a domestic community is) can be transferred with the car insurance. Here, however, the relatives will lose its good rating. This path is worthwhile only if a family member logs off the car permanently. Typically, the grandma or grandpa. The discount credit is however limited, the beneficiary may get credited only damage-free years in which he could have to drive, has so possessed a driver's license. Formerly a driving license also pays off here. So a 20-year-old can not fully inherit Opas 30 percent grade. Really rewarding the transfer is therefore for older beginners, who may be credited to many damage-free years. The exact conditions must be negotiated with the insurance company.

Tip 7: Car insurance contributions reduce by choosing the right insurance scope
optimum adaptation of the insurance scope to drivers and car holds further potential savings. Thus, novice drivers that set, for example, in older cars to partial rather than comprehensive cover or even only on the liability, reduce their contributions significantly.

Tip 8: Car insurance contributions reduce by comparing the individual car insurance quotes
Before signing a car Police it is advisable to compare several deals together. Especially with novice drivers, the price differences between insurers can be enormous differently. Thus, several thousand euros can be saved depending on the vehicle, place of residence and individual driver profile.

Tip 9: Car insurance contributions reduce where one waits with the car purchase
Who makes his license young, but with his car purchase waiting for a few years, also receives here a better classification for the insurance. After all, who has his driver's license for more than three years, no longer counts as a bloody beginner drivers intercepts in most instances with only 120 instead of 240 percent.

Tip 10: Motor insurance contributions reduce by small machines
due to the high percentages for beginners, it is advisable to start in the insurance with low-powered motorcycles / scooters. Of course, this is only possible with possession the right to operate. Alternative for this are quads and trikes that may be driven with a car driving license.


General Car Insurance Tips
Car owners can reduce the cost of hull insurance press where they a deductible (a deductible) agree. Thus, you pay from any damage by a certain amount out of pocket.
Near to this are € 150 for the partial coverage and 300 € for the fully comprehensive.

Even for those who occasionally travels less, will have to pay less, as insurers consider the annual mileage in their calculations.

Likewise, the amount of the premium is impacted by the number of people who drive the car from.
It is generally true that the insurance premium is lower, the fewer drivers are entered in the policy.

With a so-called Garage Off receive insured persons who have a garage, a financial advantage when concluding a car insurance.