Get your license and feeling free and independent is a big step in a young person’s life. But before you embark on the adventure, you must go through the administrative documents box, which is not the most obvious. Choosing the most suitable insurance for your vehicle and its driving is an important choice that should not be overlooked. Here is some tips to help a young driver find the insurance he needs.
status as a young driver
It exists two types of contracts when registering the license To drive :
- Accompanied driving: by a parent or close friend, to travel 3,000 km over a year, which must be completed after 20 hours of driving with the driving school.
- Supervised driving: the driving license is passed after a minimum of 20 hours of driving under the supervision of the driving school.
These two types of driving will affect the duration of the trial license. Therefore, for young people who have done accompanied driving, they need to have more skills and knowledge of the vehicle, so the duration of the probationary license is 2 years, in contrast to the supervised driving license, which is a period of 3 years of probation.
The duration of the trial license will then depend on the price of the insurance. Actually one young driver will pay more for his car insurance, because it is more likely to cause an accident. The status of a young driver can have a strong influence on the price of car insurance, which is added as an added cost”which therefore goes withdraw when the probationary period expires.
How to find the right insurance for a young driver?
For insurance companies, a young driver is a risky driver. It is therefore important for them to raise the price of the insurance accordingly, and avoid the risk of loss. It is possible to find the right insurance company, you already can go to your current insurance to see the potential contracts she is offering. Then you can make offers online to compare the different prices and options included in the contracts.
According to the price of the insurance
As mentioned earlier, the price of the insurance depends on the additional premium imposed by the insurance company. Though this price is set by lawcan do it a little varies depending on the type of license, who always prefer licenses with accompanied driving, who have more driving experience. To get out of this premium payment, the driver must prove two or three years of responsible driving, accident free which is in question. The young driver must therefore watch his driving optimize the price of your insurance.
The penalty and bonus system is in place on insurance contracts for young drivers, with the same function as classic car insurance. In fact, if the young driver is involved in an accident, he will be fined which will increase the price of his insurance. To avoid penalties and even favor bonuses, it is necessary accumulate accident-free years and adopt a calm and responsible behaviour.
Depending on other driving factors
The price of car insurance for a young driver, in addition to varying by type of driver’s license and the quality of the insured’s driving, depends on other factors :
- The vehicle to be insured
- The type of vehicle use
- The main circulation site
- Age of the driver
- Driving history
- The car’s mileage
For insurance companies, taking these elements into consideration makes it possible to set the best car insurance formula. The vehicle may not limit a certain power during the probationary period, it is therefore necessary to choose a vehicle with a young driver’s license. To give you an idea, they are the models most used by young drivers Renault Clio, Peugeot 206 or even Volkswagen Golf. These vehicles are most often insured for young drivers and insurance companies are used to this type of vehicle for young drivers.
Now that you know the ins and outs of car insurance for young drivers, all you have to do is hit the road!