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| Image Credit: Why Kei |
Having car insurance is mandatory and making a good decision for young people or novice drivers can give great benefits. When you are young and you have just taken out your license, the probability of suffering some type of accident is higher, since according to the Study Center Ponle Freno - AXA, three out of 10 drivers under 22 years of age, suffer an accident per year. So having good car insurance is essential. Below we will see some tips to choose the best car insurance for young people.
Choosing the best car insurance for young people can make the difference between receiving good and bad service, so each client must determine what their coverage needs are and their ability to pay to choose the best car insurance in their case. But although each person is different, there are several basic points that should be taken into account when choosing the best car insurance. Compare different car insurance
It seems basic, but this is the first tip to choosing the best car insurance and in general any type of insurance. Each person has different needs, either by their age, gender, place where they live, model and years of the car, the frequency with which they use it if it is new or used ...
And although it seems obvious, we do not always stop to compare the different policies and plans offered by insurers. Currently, there are tools such as car insurance comparators, which allow us to save a lot of time when searching.
Choose car insurance based on your needs
To be able to compare different policies it is necessary to establish what we need and make the comparison within the same segment. There is the option of establishing the needs by ourselves or hiring an insurance broker to advise us, this will always depend on the time we have and the money we want to spend. The truth is that young people between 18 and 25 years old are the drivers with the highest insurance policies, we leave you some questions that we should ask ourselves when choosing insurance.
- Do I need to cover the total or only partial damage or loss?
- Is my car model a magnet for thieves?
- Is the car new or used?
- How many people use the car?
- Do I have to leave it parked on the street for a long time or overnight?
- Is the area where I live safe?
- What type of terrain do I usually travel through?
- How often do I use the car?
- Should I pay for insurance with or without excess?
- Do I depend on my car to go to work and would I need a replacement one when mine is in the workshop?
- What is my driver profile?
Help desk
As we already mentioned, one of the tips to choose the best car insurance is to know what you need. If you're someone who knows enough about mechanics to get by just in case of an emergency, you may not need to pay a premium that includes even basic services.
But if you do not know anything about mechanics, your insurance should offer the best assistance. This is where the reputation of the insurer comes into play as what other clients think about their services and assistance and the workshops they offer to do these jobs. Check the number of events it covers per year and how much each service covers.
Featured car insurance for young people
Featured car insurance
✅ Night assistance service for young people
✅ They lower you up to $ 150
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✅ Small bumps do not affect the bonus
✅ Discounts of up to 60% per accident rate
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✅ Extensive network of trusted workshops
✅ Free Pre-ITV service
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What coverage should have the best car insurance?
To choose the best insurance you must know what coverage the best car insurance should have, so let's analyze them:
All-risk car insurance: These insurances cover total and/or partial damage to certain claims up to 100% of the value of the car. Not all forms in which the vehicle suffers damage are covered so you should be aware of reading what covers and does not cover car insurance. It also covers the total theft of the car or any of its parts. These insurances are usually the most expensive, but also the ones that offer the most coverage. So if your car is new this can be a good insurance option.
Car Insurance with Civil Liability: These insurances do not cover total damages, but they do include RC, which is very important in case of an accident since the insurance will assume the expenses for damages to third parties.
Car insurance partial plans: These policies are more specific and cover only partial losses of the vehicle (the percentages, inclusions, and exclusions will depend on each insurer). They usually cover between 70% and 80% of vehicle losses under certain circumstances. This makes the policy cheaper, and if you apply for a franchise the price will go down more.
Car insurance compactors
A good tool with which we can choose the best car insurance for young people is the online compactors, these pages will facilitate the work of searching in each of the insurers to know where what we are looking for is. Car insurance comparators allow us to discard what we do not need and keep the coverages that really interest us.
It is not advisable to choose the first insurance that jumps us with an ad in the searches, or just because this or that insurer is larger or has a greater reputation. Of course, this last point plays an important role since the most respected insurers with better policies tend to sound more among customers. But, as we already mentioned, each need is different and the coverage that is necessary for one may not be for another. That is why using car insurance compactors as a tool to choose the best one will be very useful.
How to save on youth insurance?
The best way to save on your insurance is to drive well without committing infractions and without having accidents, if we have a good driving history and we do not present part, some insurers offer bonuses and discounts when you have to renew the policy, the other way and that we have already commented is to compare.
In case the novice driver is occasional and the holder is an experienced driver, it will also reduce the cost of the policy, but if finally, the usual driver is going to be the young one, the insurers say that the real driver of the insurance must be declared and if it is not done they can interpret this concealment as bad faith and leave the policy without effect.
What to do if you are denied car insurance because you are young?
Certain companies do not offer policies for young profiles and it is even more complicated if you are looking for a comprehensive policy since they are considered risky drivers.
Under the law it is mandatory to have at least civil liability insurance, so you can go to the Insurance Compensation Consortium which is governed by the state, to request this insurance.
To achieve this, you must present that you have requested the insurance from 2 insurers and that they have denied your request, but the Insurance Compensation Consortium only includes mandatory civil liability coverage, and the price varies based on the characteristics of the car.