Ah, buying your first car after finally getting your driver’s license! Be finally owner of his own vehicle after having worn out his panties in the school car or having squatted in the father’s car during the accompanied driving lessons.
Of course, a budget has been set aside for the purchase of the dreamed car, by dint of savings, work and effort. A budget that is often (largely) cut by driving license financing. Especially if you had to try your luck again one or more times or take extra lessons not really planned at the start.
But in short, the long-awaited moment has arrived and it is a question of not making a mistake. Because as a young driver, chosen car Another significant budget item will largely depend, that of auto insurance!
In the order of expenses related to the first car, car insurance comes in third place after vehicle acquisition (count +/- 2,000 euros on average), the license itself and the insurance. Then there will be other “ancillary” costs such as gasoline, oil changes, technical control…, but let’s not frighten our budding drivers any more, they will find out soon enough.
In short, it’s time to give some advice before the bill shows too many zeros on the meter and shatters the dream of a mechanical life under construction.
So this first car, new or used?
The average budget mentioned in the introduction leaves no room for doubt for long. With 2,000 euros (even if it is an average, let us repeat it), impossible to buy new! And unless you have a no-limit budget, it is far from reasonable to pretend to drive a new vehicle when you’ve just won the precious sesame. Young driver car insurance will be all the more expensive.
Because the first months of lonely driving allow you to continue learning and consolidate its achievements. And who says consolidation of achievements necessarily says small clashes, small scratches and small booms here and there.
Nothing bad in general, but enough to have a really bad night’s sleep after damaging the front right fender or scratching the pristine paintwork of a brand new car …
And beyond the aesthetic aspect, financial considerations will quickly impose themselves on the vast majority of young drivers. Especially when they learn of the very bad news, the aptly named young driver bonuses.
Who says young driver extra premium says third party insurance
The driver surcharge is a provision invented by insurance companies to make new drivers pay the price of their inexperience at the wheel. Namely a rate of responsible accidents higher than those caused by experienced drivers.
Suddenly (or the cost if you are in the mood for fun …), young drivers are applied a surcharge of 100% per first year of automobile insurance (i.e. the basic rate of insurance excluding bonus multiplied by 2!), an additional premium of 50% the second year and 25% the third year. Needless to say, it hurts a lot.
And this additional premium obviously does not take into account possible responsible accidents intervened during the first three years, which would add a penalty to the premium, darkening even more if necessary the horizon of our poor young drivers.
The only possibility to pay (a little) less: have passed his driving license under the regime of accompanied driving. Consequently, the additional premium (because there is always additional premium) is halved, namely 50% in the first year, 25% in the second year and 12.5% in the third year.
Who says third-party insurance says used car. CQFD
As you will have understood, the young driver surcharge puts such a weight on insurance that only third-party insurance (the cheapest insurance, compared to all-risk insurance or intermediate insurance or third-party insurance). enlarged) can find favor with the eyes and purse of a young driver. This is the best option for young driver insurance if you want to reduce your insurance bill.
And the car that best matches the third-party young driver insurance is precisely a second-hand vehicle. And even more a used vehicle of low power and high mileage.
Exactly the type of automobile which does not arouse any desire (zero risk of theft, even in a dark alley) and which does not risk causing excess claims (we speak like that in insurance jargon) following an engine too fast and at excessive speed. Concretely, and to put it bluntly, the less powerful the car, the lower the risk of accidents.
Young driver, be patient and buy a used car
Young driver, you don’t have a lot of money anymore after taking your license and you now know that your insurance is going to cost you an arm and a leg. Therefore, round your back and let the storm of the first three years pass.
Continue to train yourself by driving as often as possible a car that you won’t be afraid to scratch, that you won’t be afraid of being stolen even if you forget to lock the door with the key.
And that will not make you want to drive at full speed because its horses under the hood will make you look soft and especially avoid the bonus-malus young driver.
In three years, without a responsible accident, you will have earned your stripes as an experienced driver and you will have the insurance without additional young driver bonus: you will then be able to set your sights on the car of your choice, even new, who knows, if you have made savings in the meantime or if your banker wants it.
In the meantime, compare to save all you can
For three years, you will have to pay an additional premium which will cost you dearly, I think we understood each other … But no need to add more for all that. In this ocean of overpriced insurance, there is bound to be a young driver contract less expensive than the others who is reaching out to you and the steering wheel without you knowing it yet. It’s up to you to find it by scanning 100% of the offers of the main insurance companies on the market.
And, the first good news of the day, there is a simple, fast (and all that is more free) way to achieve this feat: call an online car insurance comparison. At Turbo, we use and advise LeLynx.fr. In a few minutes, you will compare all the available contracts, independently and without any commitment.
With, the key, substantial savings! Enjoy it without hesitation. And even right away if you have five minutes. You never know: an insurance company may be offering a promotional offer right now that you’d be silly to miss out on …
- The price of the gray card (registration certificate) is halved for cars over 10 years old.
- Technical control is a Road Safety Guarantee for cars and their drivers. It applies to vehicles over four years old which must then undergo a technical inspection every two years and costs on average 75 euros.
There is no such thing as too good a deal. The technical control does not present any defect? Very well. But that shouldn’t prevent you from doing a more thorough inspection of the vehicle, looking for the slightest problem. For example, a damaged body may hide a repair following an accident.
Uneven tire wear can indicate a problem with the suspensions or management. Also check for any traces of rust, a fluid leak under the car and lift the bonnet to check the condition of the rubbers and the oil level.
If the vehicle looks like it’s described, it’s time to take a test drive. This step is very important because it allows you to judge the behavior of the car. Is the braking good? Does the management make noise?
Does the car swerve to the side when you let go of the steering wheel? Also check the correct operation of the engine (no misfiring when accelerating) and the gearbox (the gear changes must be smooth).