Being young and find a good car insurance price is no easy task, as many insurers do not have products to younger drivers. The reason: They see this group of high risk. In addition, insurers say yes to this audience, often penalized with a higher premium. Against this, there are also insurance companies have launched targeted at young drivers.
And, although it is complicated and you are old you are, you can not drive your car without insurance. Law requires you to have signed a policy that at least have ensured called mandatory liability, which allows covering the physical and material damage we may cause to other vehicles or drivers.
But, despite being essential, insurers consider the risk of insuring young drivers is much higher and, being private contracts, can refuse to insure this group. In fact, while there are insurance companies that are considering to buy a policy with them to drivers aged 18, others require a minimum age of 21, 26 or even 27, as well as a certain year driving experience.
However, although the supply of car insurance for young people is not very wide, there are companies that -aware all the difficulties they have is this collective-launched products aimed specifically at them. If you drive responsibly, you avoid the most dangerous hours (nighttime), driving in a safe way and do not use the car a lot, to be young driver does not have to be synonymous with car insurance expensive with some policies pay as you drive.
We must also choose the right type of policy, since the difference between third-party insurance and fully comprehensive one can be important. If your car is second hand, the best option is a policy extended to third parties or third parties. And if you have to purchase a vehicle, opt for a smaller displacement will allow you to save on the cost of your insurance.
If you are not the owner of the car and just going to be occasional driver, the best option is that you make sure as the second driver of the vehicle you are going to drive. So, you will be covered against any loss and can lead quiet. The premium will be cheaper, because the owner is a veteran driver, although it is likely that apply a surcharge. This alternative also has its counterpart and that is, to not appear as a driver, you may not have a future bonuses for good driving. Also, if you have a claim, they would be awarded to the policyholder, which hurt his record.
If no luck and do not get no company assures you, do not despair. The alternative is that you head the Insurance Compensation Consortium, which belongs to the state and is responsible to accommodate all those who are not admitted to any private insurer. Of course, the coverage offered by the Consortium are more basic than an insurer. In fact, the policy that this organization will subscribe to the minimum necessary and mandatory coverages. That is, that if you break the moons, steal your car or suffer damage in an accident, your policy will not cover it.
And, although it is complicated and you are old you are, you can not drive your car without insurance. Law requires you to have signed a policy that at least have ensured called mandatory liability, which allows covering the physical and material damage we may cause to other vehicles or drivers.
But, despite being essential, insurers consider the risk of insuring young drivers is much higher and, being private contracts, can refuse to insure this group. In fact, while there are insurance companies that are considering to buy a policy with them to drivers aged 18, others require a minimum age of 21, 26 or even 27, as well as a certain year driving experience.
However, although the supply of car insurance for young people is not very wide, there are companies that -aware all the difficulties they have is this collective-launched products aimed specifically at them. If you drive responsibly, you avoid the most dangerous hours (nighttime), driving in a safe way and do not use the car a lot, to be young driver does not have to be synonymous with car insurance expensive with some policies pay as you drive.
We must also choose the right type of policy, since the difference between third-party insurance and fully comprehensive one can be important. If your car is second hand, the best option is a policy extended to third parties or third parties. And if you have to purchase a vehicle, opt for a smaller displacement will allow you to save on the cost of your insurance.
If you are not the owner of the car and just going to be occasional driver, the best option is that you make sure as the second driver of the vehicle you are going to drive. So, you will be covered against any loss and can lead quiet. The premium will be cheaper, because the owner is a veteran driver, although it is likely that apply a surcharge. This alternative also has its counterpart and that is, to not appear as a driver, you may not have a future bonuses for good driving. Also, if you have a claim, they would be awarded to the policyholder, which hurt his record.
If no luck and do not get no company assures you, do not despair. The alternative is that you head the Insurance Compensation Consortium, which belongs to the state and is responsible to accommodate all those who are not admitted to any private insurer. Of course, the coverage offered by the Consortium are more basic than an insurer. In fact, the policy that this organization will subscribe to the minimum necessary and mandatory coverages. That is, that if you break the moons, steal your car or suffer damage in an accident, your policy will not cover it.
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