Ct Car Insurance So avoid high premiums drivers
The first car can be expensive, because drivers have to pay extremely high insurance premiums. With a few, quite legal gimmicks can limit the contribution, however
Premiums for motor insurance for many novice road more expensive than the purchase of a car. But the insurance can cost several thousand euros a year. Especially affected are young men, because this group causes a lot of accidents above average. Insurance companies calculate risk premiums of up to 230 percent of the normal contribution rate. In order to enter the road will remain affordable, drivers can take advantage of some savings.
forgo insurance: novice drivers start their street career often with one used car. That makes sense, but there is a lack of driving experience. Advantage: Older cars may not need comprehensive cover, for on a scratch more or less, it is not often.
Low type class: Select when the determination of the premium type class plays an important role. The higher the type class, the higher the contribution. Beginners should therefore use the lowest possible vehicle type class. Which vehicle is classified as it is, in the type class directory.
Parents use Bonus: It is advantageous to insure the car in the same society, in which the parents are insured. Many insurance companies halved then the basic contribution.
Sign up as a second car: drivers can save by logging on parents car as a second car. But beware: It will be less significantly lower premium rates to pay for it in the street but no newcomer acquires its own damage-insurance years. Will he later change to another company, it is again expensive.
half-year scheme to exploit a specific purpose: How quickly decreases the premium rate depends on the insurance. Start the Police in the first half, the contribution rate falls from the already low level of next calendar year. If you are insured against in the second half, which must make do in most cases, even the following year with the same high-claims discount.
Discount for their own or: Almost all companies give discounts if only the policy holder is driving the car. a second person is specified in the contract, as the sister or the parents, increasing the premium.
Discount Transmission: first-degree relatives for example parents or grandparents who may own no-claims discounts applied to the children. But beware: the generous donors in return lose the discount. However, this may well make sense to go about when grandma or grandpa is no longer able or willing to drive. Important: The no-claims discount can not be split, also just as many years to be recognized as the Fahrneuling in possession of driving license. That means: If only one year has elapsed since the driving test and given the grandpa 25 years no-claims to the grandchildren will be lost 24 years!
Special Discounts: In addition to the generally applicable discounts, some insurers offer special discounts. Sometimes there are 5 to 15 percent discount if the newcomer still has no points in Flensburg, where the accompanying drive was completed with parents or if beginners have completed a special safety training. Other insurance companies provide discounts if they possess a rail card or an annual pass for public transport. In any case, is: Always ask about special discounts!
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