11 saving tips for novice drivers in car insurance

Related imageThe first car plays an important role in the lives of many people. In most cases mobility, independence and growing up are combined. The first car insurance, however, is often not only in good memory, because novice drivers usually pay high contributions.

This is because driver newcomers are inexperienced and statistically more likely to incur accidents themselves. As a result, they are generally classified into particularly low claims-free classes such as SF0 or SF½, which in some cases have an insurance contribution of up to 240 percent. In these price regions, up to € 1,000 in annual contributions can easily be paid. The path to more favorable claims-free classes usually lasts up to three years, when in the meantime no self-inflicted accidents had to be regulated.

But maximum premiums can be avoided in many cases and the long-term path to an attractive no-claims discount be shortened. The following eleven tips can help novice drivers to start as cheaply as possible.

Second car policy

A relatively easy way for novice drivers to a cheaper insured vehicle leads via a Zweitwagenreglung. In this case, the vehicle of a beginner driver by a third party – for example, parents, grandparents or partners – as a second car mitversichert. In this way, the expensive beginner driver insurance can be avoided, because the second car can be insured by a more experienced motorist and thus in a lower harmless class.

Some insurance companies even offer to insure the second car in the same claim-free class as the first car. Thus, the insurance contributions can be kept particularly low. Compared to insurance premiums in SF class 0 or ½, more than half of the insurance costs can often be saved.

SF class considers both damage classes

If a second car is insured in the same claim-free category as the first car, the accident statistics of both vehicles often also affect the common SF class. This would mean that a self-inflicted accident with the second car leads to an upgrade of the damage classes for second and first cars and vice versa.

It may therefore make sense to accept a slightly more expensive SF class for the second car, but to get a classification independent of the first vehicle or to look for another insurer for the second car, which separates the vehicles by contract.

In addition, it is important to make sure in a second car insurance that the novice driver may drive the vehicle. Numerous tariffs for second cars assume that only persons over the age of 24 are allowed to drive the car. Should younger novice drivers use the vehicle, another insurance must be chosen.

However, this does not mean that the car insurance for the first vehicle must be changed. A second car can also be contracted with another insurer.

New drivers who insure their vehicle as a second car through another policyholder do not build up their own claim-free class. If you want to insure yourself later, you can not always take the SF class of the second car with you. If this is not possible, one’s own insurance career would start in the range of SF½.

However, the most expensive SF0 for novice drivers can be bypassed in any case if the second car has been driven for several years and the license has been obtained more than three years later. However, there are various ways to get non-breakthrough bonuses in order to get a higher rating.

advantages disadvantage
The most expensive SF class 0 can usually be bypassed completely SF class of the second car can not always be transmitted later
Lower insurance premiums If the insurer couples first and second cars, both vehicles will be classified more expensive after an accident.
SF class of the second car can be transferred in some cases later to the first own insurance Second car often only available from the age of 24 years
  Only possible if another policyholder insures the vehicle instead of the beginner driver

Car with low type class

In addition to the discounts and surcharges in the indemnity classes, the vehicle to be insured also has a direct effect on the amount of insurance premiums. Vehicles are divided into so-called type classes. The lower the type class of a vehicle model, the lower the insurance premium.

Those who want to insure the first car as cheaply as possible and are not set to a special dream car, can specifically select a vehicle with a low type class to save.

Here are some example vehicles with low type classes (as of February 2016, information without guarantee):

model liability Comprehensive Teilkasko
Lada Niva 1.7i (59 KW) 12 11 11
Smart Fortwo (45 KW) 12 11 13
Fiat Seicento 0.9 (29 KW) 13 10 12
Mercedes A-Class (85 KW) 12 14 15
Citroen C3 1.4 (54 KW) 16 15 17

Good to know: Type classes for liability and comprehensive insurance

For motor vehicle liability insurance and comprehensive insurance, different type classes apply. For liability policies 16 type classes are applied, with full and partial coverage 25.

In liability insurance, the type class of a vehicle is mainly determined by the type of vehicle and the driving behavior of the users; the partial coverage covers unimpairable damage such as car theft, vehicle fires, glass damage or damage caused by natural hazards during classification. In fully comprehensive insurance, both are relevant.

The more frequently insurance costs are incurred for certain vehicles and the higher the amount of damage, the higher and more expensive the type class.

Basically, it can be assumed that small cars with weaker engines are cheaper insurable than large, heavily motorized sedans.

However, the image of a car also plays a role. Sporty small cars often reach high type classes despite their small size and a comparatively weak engine. This is because the vehicles give a sporty image: This makes them particularly popular with young people and at the same time more involved in accidents than classic small cars.

Drivers should therefore opt for lighter, smaller vehicles if car insurance is to be as cheap as possible. In some cases, the difference in insurance premiums between a low-grade vehicle and a higher-rated car is up to 500 percent.

advantages disadvantage
Cheaper insurance contribution Maybe not the “dream car”

Usually lower repair costs

Higher safety through less horsepower  
Usually lower purchase price  
Rarely affected by theft  

Limit the scope of insurance

Often the first car of novice drivers is not a particularly expensive vehicle. Anyone who has taken the advice to choose a low type class to heart and perhaps has resorted to a used vehicle in addition, can usually do without a fully comprehensive or partial coverage.

If the motor vehicle insurance is limited to the legally required liability insurance, the insurer only covers the damage caused to other vehicles, objects and people, but the insurance premium is significantly lower than the full and partial coverage. However, novice drivers who are traveling with a higher-priced vehicle should consider concluding an extended insurance coverage in the form of full or partial coverage.

advantages disadvantage
It is only the cheaper liability contribution Damage to your own vehicle must be borne by yourself
Insured persons can ascend in the SF class  

Deductible and workshop binding

Additional savings can be made by some contract details, which can lead to perks. Good examples of this are deductibles and workshop loyalty.

When agreeing on a deductible , also called deductible, the insurers reduce the contributions. Depending on how high the deductible is set up, the contribution decreases significantly. However, the insured person then has to bear a corresponding part of the costs for each claim.

A second possibility lies in the agreement of a workshop binding . Kasko customers may only have their repaired damages repaired in certain repairers’ designated repair shops. Although the way to the workshop can sometimes be a little bit longer, the customer with workshop loyalty can get up to 20 percent discount.

Prepay and save

If you want to save extra money, you can select “payment in advance” as a payment method. Many insurers are rewarding the upfront payment with a discount of up to five percent.

advantages disadvantage
Lower insurance contributions through workshop loyalty No free workshop option
Lower insurance premiums due to deductible The insured person must bear part of the costs in each case of damage
Lower insurance premiums by advance payment Total annual premium due in advance in one go

Drive a little and carefully

Beginner drivers are classified according to two criteria:

  • Duration of driving license ownership: If you are in possession of a driving license for more than three years, you can already be classified in the damage-free class ½ and you do not have to go through the particularly expensive SF0.
  • Time as a policyholder without self-inflicted accidents : Because even those who have a driver’s license for many years, but was not self-insured, begins with the conclusion of their own motor insurance in the SF½ and rises only after a year without self-inflicted accident in the cheaper SF1 on.

Good to know: age rather insignificant

The age of the novice driver plays a minor role. However, some insurance companies offer discounts if a vehicle is only driven by persons over the age of 24 years. This can also benefit older novice drivers.

The classification of a novice driver according to the above criteria opens the possibility for newcomers to the license to self-insure themselves after they have a driving license for three years. Although the most expensive non-payment class can be circumvented, the novice driver does not set up his own no-claims discount during this time. If the vehicle of the novice driver is co-insured as the second car of another person, the experienced discounts can not always be transferred to a subsequent own insurance.

Anyone who does not have the opportunity to insure the vehicle over a person other than a second car and drive their own vehicle, must therefore self-assure. After three years, if the insured is no longer considered a new driver’s license and has been accident-free then beckons the SF3. However, with this option, you need to be extra careful, as a single self-inflicted accident can lead to a downgrade to the most expensive malus class. From there, the path to the no-claims discount begins again.

If you want to exclude this with certainty, you would have to insure your own vehicle without using it. However, this is probably not a realistic option for the least.

Use discounts

Some insurance companies also reward the special commitment of young novice drivers with a discount.

  • Fahrsicherheitstraining
    There are policies that reward a completed driving safety training in the form of a discount. Whether the costs for training pay off due to the reduced insurance contribution must be checked individually.
  • Accompanied driving
    Drivers new to the license, who received their driving license at the age of 17 and subsequently regularly accompanied, can use this argument to negotiate a discount.
  • Subscription cards
    Furthermore, many insurers consider an existing subscription card of public transport or a train-card: With existing subscriptions so smaller discounts can wave in the car insurance.

family insurance

As in the case of the second car regulation, the vehicle of a novice driver can also be co-insured by the parents as part of a family insurance policy. If several vehicles of a family are registered with an insurance company, the high punitive sentences usually fall into the lowest claims-free classes.

The disadvantage is again that co-insured novice drivers do not set up their own no-claims discount. However, it is often possible to transfer an initially family-insured vehicle with the same insurer later to a new policy of the now-novice beginner.

advantages disadvantage
The most expensive SF classes are bypassed Later, the SF class of the family-insured vehicle can not always be transferred to a new policy
Lower insurance premiums Only if parents agree to family insurance
Later, the SF class of the vehicle can often be transferred to the first own insurance with the same insurer  

Few drivers per car

If the vehicle of a beginner driver is insured, the keeper may be entered as the sole driver or together with a very limited number of other named drivers. This can lead to contributions.

The big disadvantage is that no other people are allowed to move the vehicle. If this is contravened, the insurance company can subsequently claim back the contributions that were previously saved by the limited number of drivers. In addition, insurers often charge a contractual penalty, which may include a full annual contribution.

Percentage of relatives / family members

If you have relatives who have accumulated a no-claims discount, you can get these price advantages. In doing so, the original owner of the discount cedes it and no longer benefits from the benefits.

For example, this procedure may be useful if the grandparents want to stop driving and another family member is interested in the discount.

Not always transferable every year

It can only be transmitted as many years as the recipient also has a driver’s license. A beginner driver, who has a driver’s license for three years, can receive a maximum of SF3 transferred accordingly. The remaining claims of the discount donor expire. Further information on the subject of non-pecuniary discount and the transfer of such claims can be found here.

Use semi-annual regulation

A small but sometimes very relevant fineness brings the system of damage classes for novice drivers and newly insured in general with it: A higher no claims class will only be achieved if the vehicle was approved in the current year six months on the person and insured accordingly.

If you take out motor insurance after July 1, you will not be upgraded at the end of the year and your accident-free months will be lost. However, some insurers offer to backdate the start of the contract into the first half of the year if the contract was concluded in the second half of the year. Then, however, the contributions must be paid retroactively. The later upgrade at the end of the year, however, usually more than offsets this investment.

compare insurances

In all the tangle of damage classes and discounts novice drivers should not forget the basic tip for a cheap car insurance: Compare offers! The price differences between the individual providers of motor insurance are often very large.

In addition, the market is constantly in motion, so that a formerly cheaper provider after a few years or even months may only offer a mediocre price-performance ratio. With a car insurance comparison, you can get an up-to-date overview of the cheapest and most powerful car insurance.

If you also take into account some of the saving tips listed here, you can be sure that you have taken advantage of all possible benefits.

Special features for novice drivers

In addition to the regulations of insurers for novice drivers, there are also a few special statutory provisions. Although these do not affect the price of car insurance, they should not be forgotten.

In Germany, for novice drivers within the two-year probationary period, the zero-promissory limit applies. In addition, probationers who are in debt to an accident and commit a so-called A-crime must hand in the driver’s license and take part in an inspection. Both measures are intended to help novice drivers in their first year of driving license to make the right decisions in road traffic.