Your car has a huge impact on the price of your car insurance:

• Your car engine: the more power your car has, the likelier you will have an accident or crash. Invest in a car with less performance, it's cheaper.
• Electric cars not only benefit from government subsidies, they also often receive attractive discounts from insurers.
• The cars' price: the more expensive the car is, the more the insurance will cost. Given that a new car already loses more than 20% of its initial value from the moment you take possession of it, a second-hand car could be the best choice.
• Supervised driving: If your parents have supervised you driving before you obtained your driving licence, then the cost of the car insurance is less because you have more experience.
• Opt for an excess. By agreeing to an excess in the event of a claim, the premium you pay will be significantly reduced.

Start comparing the prices of different insurance companies. Look at their different offers and prices and chose the one that suits you best.

Evidentially, you will contact your parents' insurer and hope you can benefit from any discounts.

However playing with insurers and threatening them to go to competitors can give you an even bigger discount. The insurers will try to negotiate and lower their prices to make it more interesting for you.

Being young, you probably think that a civil liability is sufficient. However to protect yourself from any physical accidents, we recommend you subscribe for the Driver's personal Guarantee with a compensation cap.

Personally caused damages have a big impact on your Bonus/Malus and as a result your insurance costs will rise. So don't report every little scratch or dent.