An old car
Privileging a car over 5 years old and over 100,000km, makes it possible to take out third-party insurance that is less expensive than all-risk insurance. So contact insurance agency for a quote.
A small motorization
The concept of motorization is essential and must be taken into account, indeed, acquire a small engine capacity reduces the rating of insurance.
Subscribe to a basic formula
For young drivers, the choice of a third-party formula is sufficient; however it is important to check some points of coverage such as:
- Personal insurance of the driver
- The compensation ceiling must be sufficient to guarantee serious claims.
It is also important to consider adding options such as ice break insurance that will save the young driver money in the event of a disaster.
Do not report all claims
In the event of a minor, responsible accident (broken headlight, scratches, dented bodywork, cracked flashing, etc.), not declaring the damage and taking over the repairs will allow the young driver not to suffer a penalty.
Insure your car at kilometer
The kilometer insurance provides insurance at a lower cost. It is based on three essential principles:
- A cheaper price if you do not use your car for your work
- Fixed forms adapted to the movements of small riders
- Billing per kilometer (installation of a control box in the car)
Increase your franchise
The deductible is the sum that remains the responsibility of the young driver following a disaster and which is not reimbursed by the insurer. For each incident, the amount of the deductible must be indicated on the contract, this can be in the form:
- Of a fixed sum
- A percentage of the amount of compensation
- A combination of fixed sum and percentage
If you have no claims, increasing your franchise can be very interesting for the cost of your auto insurance.
An anti-theft device to reduce the price
If the young driver equips his vehicle with an anti-theft system (steering wheel lock, alarm, anti-theft gearbox), he will have to warn his car insurance billing in support and thus will be able to benefit from a reduction.
All car insurance young drivers are different and operate through their own method of calculation, so the rates may vary from one company to another. However, all insurances take into account the same criteria which are:
- The age
- The bonus
- The model and the power of the car
- The place of residence
Prices can differ greatly from one insurance to another and that for the same guarantees, it is essential to compare different insurance. Thus, the use of an online comparator can significantly reduce the price of car insurance.