Car insurance for beginners

Insuring your first car is quite tricky. You don't yet know exactly how it works and what to look out for. We are happy to explain how it works and where you can go for cheap car insurance with the best coverage against damage.

Once a car becomes registered, the insurance obligation arises. As a minimum, a car must be insured for legal liability (WA). For new cars, WA casco (all-risks) is often chosen. This car insurance also pays for damage to your own car, for example in case of damage caused by an accident. The third variant is the WA limited casco. This is best compared with the WA. In addition, certain causes of damage are insured. Here you can think of:

• Fire damage
• Collision with stray animals
• Theft of the car
• Window breakage

How do you arrive at the best car insurance policy?

You can call any insurer or try at the insurance office on the street corner. But it can be done better! Smarter is to compare several insurers at once. You can do that at Alpina.nl. You compare several insurers quickly and easily and you can choose one of the three forms of insurance based on the amount of the premium.

What does it take to compare car insurance?

It sounds complicated, comparing car insurance yourself, but it is actually very simple. Based on the license plate number, all the car's features are already loaded into the comparison. You probably have to look up the question about the number of claim-free years and the rest you know by heart.

What are the differences between insurers?

Virtually all auto insurance companies use three of the same forms of insurance, namely:

• WA
• WA limited casco
• All-risk (WA hull)

There may be differences in coverage among insurers, but they are generally minor differences. Many insurers apply a deductible for the WA limited casco and for the WA casco. This is a portion of the damage that the insurer will charge you for. It can be an excess of, for example, €150. Other insurers do not apply a deductible. This is an important difference, which also emerges when comparing car insurance policies.

Choose the best and cheapest car insurance

By comparing, you can get the car insurance policy with the most comprehensive coverage at the lowest premium. This can save you tens or even hundreds of dollars per year. Comparing will take you a few minutes and after one year you can choose another car insurance policy. You don't have to, but at least make the comparison again. Only then will you know if you still have the best and cheapest car insurance.

Read also:

The sense and nonsense of special car insurance for women

Prepaid car insurance is often too expensive

How long are you stuck with car insurance?

Auto insurance - Who is insured?

Car insurance by the hour - What are the dangers?

Insurance Card! What it is.