Getting first car insurance: our tips
Young people up to the age of 24 pay proportionately a lot for their first car. This is because they have few or no claim-free years, but mainly because many insurers charge high surcharges for young drivers. What should you pay attention to when insuring your first car?
Often novice drivers choose to insure the car through the insurance advisor where the parents are also insured. Chances are, the premium will be far too high. This is especially true for novice drivers under the age of 24. In fact, some insurers charge unreasonably high rates for young drivers.
First car insurance - Where do you start?
The driver's license is in. Time for the next step, buying your first car. Before you get the car in your name, you need to find the most suitable car insurance. This sounds difficult, but the opposite is true. Through our comparison tool you can instantly compare dozens of insurers in one search. The too expensive insurers are immediately filtered out. Using the license plate number you can make the comparison.
Choose the most appropriate coverage
Depending on the value and age of the car, you select the most appropriate coverage. The most comprehensive coverage is the third-party comprehensive insurance. The disadvantage of this insurance is that the premium depends on the new value of the car. As a result, this coverage may not come out for older cars. You can roughly use the following guidelines:
- WA casco insurance - Also pays out own damage in the event of a fault damage - approximately until the car is 6 to 8 years old
- WA limited hull insurance - For cars between 6 and 10 years old, this coverage is often chosen. The insurance provides coverage against such things as:
- Fire
- Storm damage and hail damage
- Theft
- Window Break
- Collision with stray animals
- Third Party Insurance - Does not reimburse your own damages, only damages caused by you to another person's property. For cars older than 10 years.
First car insurance and claim-free years
When you take out car insurance for the first time, you have not yet been able to build up any claim-free years. You therefore start with 0 claim-free years. Every year that you do not claim on your car insurance you build up 1 claim-free year and you get more discount.
Compare!
Insuring your first car sounds complicated, but it's just not. With the car's license plate number and answers to a few simple questions about yourself and the car, you can compare and insure dozens of insurers at once. The car insurance with the best quality and at the lowest price will come up naturally. Comparing really makes sense, because the most expensive insurer can charge up to four times as much premium as the cheapest insurer.
Get insurance first
The moment you get your first car in your name, the car also needs insurance. You do not need the license plate number in order to compare car insurance and take out car insurance. To register the license plate with the RDW, the insurer still needs the registration code. This can be found on the license plate.
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