It is not new, when one has just obtained the driving licence, one is considered to be a young driver.
This status is retained for three years in the context of a classic driving apprenticeship, and for two years if you have opted for an early driving apprenticeship, also known as “accompanied driving”.
This means that, during the period that concerns you, the car insurance that you choose will consider you as a "young driver".
In other words, car insurance needs you to prove to them that you are a reliable and serious driver, because you have no concrete experience and therefore no bonus yet (or malus, even if you are not do not wish).
In short, she is betting on you and if it turns out that you are not careful on the road and that you accumulate collisions, it can cost her dearly.
This is why young driver car insurance has significantly higher rates than conventional car insurance, intended for a more experienced driver.
Does this mean that you have to go broke to insure yourself during your first years of driving?
Not necessarily.
There is cheap car insurance for everyone, including young drivers, but you have to take the time to find it.
I find the cheapest young driver insurance
How to get young driver car insurance at the best price?
Paying too much for your young driver car insurance is not inevitable.
Here are some recommendations that can help you find the best auto insurance for you.
take the time to compare
The first mistake not to make is to immediately jump on the first young driver car insurance you will find on your way.
Insurers know it, drivers do not have an unlimited budget, and this is even more the case when they start on the road.
This is why most insurance companies try to play the competitive card.
To make it easier for you to find
young driver car insurance
, you can use the Parisian insurance comparator.
Particularly complete, it allows you to give very precise information on the driver and his experience, but also on the vehicle, to display the most relevant results possible.
You can thus use it to get information, but also to make your choice, since it is possible to make an appointment or even to subscribe immediately online to the most interesting car insurance for you.
The best car insurance may be waiting for you via this search method.
>> Click here to compare young driver insurance
Find out about the average price of young driver insurance
Currently, the average price of young driver insurance is around 1000 euros per year.
This is a particularly substantial budget, which necessarily weighs on the budget of a student (and his parents) or a young worker.
Depending on your vehicle, you can try to lower the note.
If your car is a second-hand car that is already several years old and hasn't cost you very much, you can choose to insure it with a third party.
This basic offer constitutes the minimum coverage, and it is less expensive than the others.
Third-party insurance protects you in the event of physical and bodily injury that you could cause to third parties if you were responsible for an accident.
On the other hand, third-party insurance does not offer you anything else.
Intermediate insurance, also known as "third plus" or "extended third", is a little more expensive, but offers some additional advantages.
In particular, there is a reinforced civil liability guarantee.
Generally, your car is also protected against damage caused by bad weather, but also against theft, fire or explosion of the vehicle.
Finally, all-risk insurance is the most expensive, but also the most comprehensive.
With it, you are insured against all damages and all accidents, including when your liability is engaged.
In the event of hospitalization, you are also covered.
It is a choice that is adopted by people who have a new or almost new car, who drive a lot and do not want to leave anything to chance.
Understand what a “young driver” is
The young driver is a motorist who had his license less than 3 years ago as part of a standard driving apprenticeship, or less than 2 years if he benefited from accompanied driving.
This solution allows students to learn the Highway Code from the age of 15, with driving lessons given by a driving school.
From the age of 16, the learner driver can drive when accompanied by a parent or guardian.
As he has been driving for longer and has passed the license with several thousand kilometers on the clock, the "young accompanied driver" is "tested" for only two years instead of three when he has not benefited from advanced driving instruction (AAC).
However, this does not mean that car insurance companies are more lenient with him on the tariff side: he only switches to standard driver status after a shorter period of time.
There is another solution to reduce the duration of the “young driver” status: this requires the follow-up of additional training between the 6th and 12th months after obtaining the licence.
However, this has a significant cost and it is not always profitable compared to the price of insurance.
Finally, it is important to know that a young driver has a probationary license, limited to an initial capital of 6 points.
Each year, the number of points increases to reach 12 at the end of the probationary period.
But for this, the young driver must not have had an accident and/or points deducted: if he loses his 6 points, he can no longer drive for 6 months and the insurance is very likely to be even less generous with him on the price level.
Young driver: is it possible to drive your parents' car?
It is entirely possible for a young driver to drive his parents' car.
The latter can do it with anyone, as part of the “flying wheel loan”.
However, to protect yourself in the event of an accident and avoid having to pay an increased deductible which can be particularly steep, the ideal is to add the young driver as a secondary driver on the family car insurance.
The status of secondary driver makes it possible to avoid the increased deductible, which is already an excellent point.
But that's not the only thing: as a secondary driver, the young driver gets back part of his parents' bonus, and he will be able to prove that he has already driven under standard conditions when taking his own insurance.
As a result, he will pay less for his car insurance even if he has never been insured by himself before.
In summary, starting by driving the parental car can be a good strategy for saving money on car insurance.
