Read these tips to lower the price of your car insurance:
"}},{"componentType":"paragraph","title":"1. Tune your premium to low mileage ","richBody":{"value":"Do you tend to drive short distances or try to limit your car mileage? Not only is this good news for your health, but also for your wallet. If your car gets fewer miles, the chances of an accident are lower and so are your monthly payments. So, you already save a lot of money by opting for coverage of less than 10,000 km.
"}},{"componentType":"sectionTitle","title":"2. Choose a hybrid or electric car "},{"componentType":"paragraph","richBody":{"value":"Environmentally friendly cars are the new trend and insurers know this all too well. To support their customers in this energy transition, some insurers reward drivers who drive an electric or hybrid car. A good gesture for our planet is also one for your wallet.
"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"3. Increasing your deductible means lower monthly payments ","richBody":{"value":"Did you know you can choose different levels of deductibles for your comprehensive insurance? This will increase or decrease the monthly premium of your car insurance. The principle is simple: the higher your deductible, the lower the price of your insurance.
"}},{"componentType":"paragraph","title":"4. Check the hidden costs of your monthly payments ","richBody":{"value":"Some insurance companies charge extra fees if you choose to pay monthly. Check beforehand whether splitting your payments is really free. If not, choose for annual payment, if your finances allow.
"}},{"componentType":"paragraph","title":"5. Take advantage of promotional rates with a later effective date ","richBody":{"value":"In some cases, it is possible to enjoy a promotional rate with a policy start date that is a few weeks after the end of the same offer. So, keep your eyes open for promotions even if you are not yet at the end of your annual term.
"}},{"componentType":"paragraph","title":"6. Match your insurance options to your actual needs ","richBody":{"value":"Whatever the cost, we recommend you keep optional coverages such as legal assistance or driver's insurance. These are certainly not the most expensive covers, and they will save you a lot of trouble in case of a problem: assistance from a lawyer, compensation for the driver in case of bodily injury, and so on.
You will make the biggest savings by dropping coverages such as full comprehensive car insurance and small comprehensive insurance. You could even consider keeping only civil liability cover, which is mandatory. However, be careful: in case of an accident, your insurance will pay for damage to others, but not for damage to your own vehicle. So, think carefully before lowering your coverage. After all, your car insurance should protect your investment. We recommend that you take out comprehensive cover for all vehicles that are less than five years old.
Another piece of advice on whether or not to keep the full comprehensive cover: if you bought your car on credit and are still paying it off, don't forget the full comprehensive cover! Imagine losing your car while you are still paying it off... that would really be throwing money down the drain!
"}},{"componentType":"sectionTitle","title":"How to find cheap car insurance as a young driver?"},{"componentType":"paragraph","richBody":{"value":"Young drivers often struggle to find cheap car insurance because of their limited driving experience. All our advice above also applies to young drivers. Each insurance company has its own segmentation policy and rates are optimized based on certain criteria. Before buying car insurance, make sure you meet the basic criteria to get the best rates.
For instance, a used car with low power is often cheaper to insure. In this case, you can only opt for civil liability cover, which is mandatory in Belgium.
Do you still live with your parents? Then take the opportunity to have your name added to your parents' insurance policy as a co-driver or occasional driver. This way, you can prove that you already have several years of driving experience, which counts towards your claim-free years!
"}},{"componentType":"sectionTitle","title":"Discover more about our different options"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is third-party liability (RC) car insurance?","body":"The third-party liability cover is compulsory when taking out any car insurance and is a conditio sine qua non for driving safely. But what exactly does it cover? Follow our guide!","image":{"transformBaseUrl":"https://assets.ing.com/transform/e9b061a0-a12e-448b-9bfc-889c9cc99408/Carinsurance_Woman","type":"image","width":814,"original":"https://assets.ing.com/m/1d7e3aa092aebc9/original/Carinsurance_Woman.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/third-party-liability-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is mini-comprehensive car insurance?","body":"Mini-comprehensive or mini-omnium car insurance is optional and supplements your Third-Party Liability insurance, which is compulsory.","image":{"transformBaseUrl":"https://assets.ing.com/transform/68dbd4db-78da-432e-a1df-cd92b5faeaea/Young-girl-helps-father-wash-car-in-driveway","type":"image","width":6016,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/12961d276c01535a/original/Young-girl-helps-father-wash-car-in-driveway.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/mini-comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Understanding comprehensive car insurance","body":"Comprehensive or omnium insurance is the car insurance option that offers maximum cover. It’s therefore particularly suitable for new cars or recent vehicles (less than 5 years old), whether second-hand or not.","image":{"transformBaseUrl":"https://assets.ing.com/transform/69144cc0-7117-4031-afc2-5973f8d865bc/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street","type":"image","width":5616,"original":"https://assets.ing.com/m/7f6abbc609632fcc/original/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The driver insurance option: what’s it really for?","body":"Driver's insurance is not compulsory, but it ensures that you can count on compensation as a driver even when you yourself are at fault in an accident.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c4ec4a21-be1a-4d1b-94b0-a5767eeba2ee/Dog-seated-in-car-driver-seat","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/ab80c8ffd391821/original/Dog-seated-in-car-driver-seat.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/driver-insurance"}}]},{"componentType":"highlight","richBody":{"value":"Find out more about car insurance as offered by ING and browse the comparison table for Civil Liability, Mini-omnium and Omnium cover.
"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also consider"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is the bonus-malus system?","body":"While the term bonus-malus is still widespread, it is no longer used at ING. We now speak of \"claim-free years\".","image":{"transformBaseUrl":"https://assets.ing.com/transform/4d6fb0a6-f033-491b-b1a3-ac90db6c8708/Man-hugs-car-in-garage-showroom","type":"image","width":5130,"original":"https://assets.ing.com/m/25534a5c70973a60/original/Man-hugs-car-in-garage-showroom.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/en/individuals/insurance/insure-my-car/bonus-malus"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What should you do in case of a car accident?","body":"Discover the video","image":{"transformBaseUrl":"https://assets.ing.com/transform/bddd4272-f132-469f-af12-16b4940f5b97/car-insurance-after-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/294b30c580f9dfdd/original/car-insurance-after-claim-1920.jpg","extension":"jpg"},"date":"2020-09-25","link":{"url":"/en/individuals/my-life/mobility/car-insurance-claim"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Check-list for buying a car","body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","image":{"transformBaseUrl":"https://assets.ing.com/transform/958b0864-458c-4af1-848a-4b2e46170541/first-car-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/bf3aa28fcc1f00/original/first-car-1920.jpg","extension":"jpg"},"date":"2025-07-02","link":{"url":"/en/individuals/my-life/mobility/buying-first-car"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Change your car insurance","intro":"Manage your insurance easily via the product overview in Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/850479eb-f33b-4a8b-aef2-53a22fbb1149/carfrontalview","type":"image","width":160,"original":"https://assets.ing.com/m/2b7dfdbe3ca06a64/original/carfrontalview.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]}}}