A key factor that influences the level of insurance premiums is the No-damage class (SFK). New drivers usually start in the lowest SFK, which leads to higher premiums. With each accident-free year, your SFK improves, which results in a reduction in premiums. This bonus-penalty mechanism serves as an incentive system for safe driving.
The Choice of vehicle model also plays a crucial role in determining insurance costs. Vehicles with a higher type class, which is based on damage statistics and repair costs, result in higher insurance premiums. Novice drivers should therefore consider choosing a vehicle with a lower model class to minimize costs.
Furthermore, he has Place of residence of the policyholder a significant influence on the premium amount. Insurance rates tend to be higher in regions with higher traffic density and an increased risk of accidents. This reflects the regional risk that insurance companies take into account in their calculations.
The Amount of deductible is another important aspect. A higher deductible can reduce the annual insurance premium, but also means higher costs for the insured in the event of a claim. New drivers have to find a balance between affordable premiums and acceptable risk.
In addition, novice drivers should note that additional factors such as Driving performance, the age of the driver and any safety features of the vehicle can also influence insurance costs. Some insurers offer discounts for vehicles with certain safety features or for drivers who have lower annual mileage.