Did you just get your driver's license?
Congratulation !
If you plan to buy a car, you will need to insure it against third parties or all risks.
And if you're wondering if young drivers pay more for car insurance, the answer is yes.
Why ?
For the simple and good reason that insurers believe that the risk of loss is higher for beginners than for more experienced drivers.
But until when will you be considered a young driver and what is the limit of the additional insurance premium?
Here's what you need to know for your future
car insurance
.
Find young driver car insurance
How long are you considered a young driver?
New drivers are considered as such for several years!
Indeed, it is estimated at
3 years
the time needed to become a more experienced driver.
On the other hand, the increase applied by the insurers gradually decreases each year if the driver's liability is not involved in a claim during this period.
The government recalls
the evolution of the rate of the increase in the auto insurance premium
.
You can therefore see that the additional premium is 100% the first year, then goes to 50% the second year to reach 25% the third and 0% after 3 years.
And this, in the event that there is no responsible claim.
>> SERVICE: compare car insurance for free
Good to know: if you have passed your license in accompanied driving, the additional premium is lower since you only pay 50% the first year, then 25% the second, 12.5% the third and 0% after 3 years .
How to pay less for car insurance when you are a young driver?
When you are a young driver, it is important to choose the right contract.
If your parents do not include you on their auto insurance contract (which would result in an additional premium in any case), you must examine these various elements before
choosing the insurance contract for your vehicle
.
Compare car insurance
The main advice that can be given to those looking for
cheaper auto insurance
is to compare insurers online.
Comparators are numerous and allow you to quickly compare hundreds of auto insurance contracts to find the best one for you.
By doing so, you can even save an average of 340 euros per year on your car insurance!
>> SERVICE: Compare car insurance contracts in less than 5 minutes!
Check auto insurance plans
One of the points that also determines the amount of car insurance is the level of guarantees.
There are indeed several car insurance formulas with different levels of coverage.
If you want to opt for
the most economical auto insurance
, you can opt for the third-party formula.
Conversely, if you are looking for more comprehensive car insurance, it is possible to opt for an intermediate formula or even all-risk insurance.
