What is the best car insurance for a new driver?

If you just got your driver's license or have less than a year of driving experience, you are on the new driver's list. Starting to drive is not an easy task, so it is important that you have good insurance that covers any damage after suffering a hit or a traffic accident. However, although the driving license offers you unquestionable independence and much more freedom, the downside of being a new driver is the price of car insurance, since it is usually much more expensive than that of experienced drivers.

According to the General Directorate of Traffic (DGT), in general, the majority of new drivers tend to be young people under 25 years of age. Although it is clear that not everyone makes the same mistakes at the wheel, the greater accident rate suffered by the group of young drivers on the road is one of the causes that cause the increase in the price of insurance. According to data from the DGT, deaths between 15 and 24 years increased by 11% in 2018 compared to the previous year, while in the age group between 25 and 34 years, they increased by 14%.

Another factor that explains the rise in the price of insurance for novice drivers is the lack of experience behind the wheel, an aspect that insurers take into account when calculating premiums.

WHAT IS THE BEST INSURANCE FOR A NEW DRIVER?

The most advisable thing to do when starting to drive is to buy used cars in Japan or anywhere from the best online platform Auto for Trade since the lack of experience at the wheel and the insecurity can increase the risk of suffering blows or traffic accidents. The most common is to buy a second-hand car to improve the driving experience.

If you are going to opt for this option, the best thing, according to the Race, is to take out compulsory civil liability insurance, that is third party insurance. It is also a good option to contract extended third party insurance, since, in addition to the basic coverage, it offers other services such as coverage for fire, windows, or theft, among others.

On the other hand, if you decide to drive a new car or one that is very young, the Race advises you to take out comprehensive insurance. Although this type of policy is the most expensive on the market, you have the option of paying a cheaper annual premium if you opt for fully comprehensive insurance with excess. However, you should know that this type of insurance is not recommended if you have many traffic accidents in your history, because it will be more expensive.

WHAT INSURANCE DO I BUY IF I AM AN OCCASIONAL NEW DRIVER?

If you are going to use the car of your parents or some other relative on a one-time basis, it is best to appear in the insurance as an occasional or secondary driver, leaving the family member who uses the vehicle regularly as the main driver. It is true that a policy with more than the one insured driver is more expensive, but it is also true that it is always cheaper then taking out a separate policy.

If you are listed as an occasional driver on insurance, you must comply with the contract and actually drive on time. Otherwise, the insurer may not cover the damage to the vehicle after suffering a traffic accident.

Currently, there is another type of insurance for occasional novice drivers called "Pay as you drive" which consists of paying according to what you drive. To regulate the use of the vehicle, the insurer installs a device in the car that records usage data.