I’m about to buy a new car for my son, a novice, and I would like to take out his car insurance on his behalf: I would not want to spend too much money, but I would like to save a little bit.
What are the ways to not overdo the costs?
Many young drivers newly signed each year take out their car insurance policy: there are several ways to save money and not spend thousands of dollars unnecessarily.
In fact, for a new driver, the auto could represent an economic drain even before having filled up.
If he stipulates a policy on his behalf, the novice enters the door of the lowest merit class (the fourteenth) with a higher cost to bear due to his young age and a driver’s story yet to be written.
The question is different if they are part of their cohabiting family members who already have an insured vehicle of the same type.
In this sense, there are two possibilities, allows the new driver to be registered with the novice and to acquire, thanks to the Bersani law, the highest class of merit of the cohabiting family member.
This decreases the cost of the policy even if the premium paid will differ between the new driver and the cohabiting family member depending on the individual risk profile.
The second possibility provides for the heading of the vehicle to a person who is part of the family that later can extend its policy including the possibility of free driving or for the novice drivers of the vehicle itself.
In both cases there are disadvantages and advantages.
In the first case, the premium to be paid costs more, but the novice starts already to develop an autonomous risk profile that he will be able to use in the future, when he / she will want to sign another policy.
In the second case, the sum to be paid out is usually more contained and works if you have more novice children, for example, or different people from the same family use the vehicle.
However, in this way the novice does not develop any personal risk profile.
A detail to keep in mind if you think that, outside of these alternatives.
Those who are able to insure a vehicle for the first time could pay up to twice as much as an expert driver.
Parallel to these two alternatives, there is the possibility of the parent to extend his policy with some clauses that take into account the inexperience behind the wheel of the novice.
Among these, for example, the renunciation of compensation in the case of driving in a state of jealousy, the activation of a mini-helmet or the increase of the ceiling in case the vehicle causes serious damage.