Visitors to Spain and residents alike are constantly asking how to find cheap car insurance in Spain. Spain does have compulsory 3rd party liability coverage laws. The fines for driving without insurance in Spain are hefty. In fact is compulsory to carry your proof of insurance with you as well at all times. Residents of Spain will probably not have too hard a time finding cheap car insurance in Spain. Spanish is a primary language for them and their cars are registered in Spain. Visitors and expatriates may have a lot harder time. We will cover both types of drivers and how to find cheap car insurance in Spain in this article.
Residents of Spain will have their vehicle almost surely have their vehicle registered in Spain, the easiest way for a resident to find cheap car insurance in Spain is either an online search tool (be sure and specify Spain) or an independent insurance representative. It must be a Spanish agency if your car is registered in Spain. That might seem complicated but it is the law. An online search car insurance search tool will give you the rates and comparative coverage amounts for each company. Simply type in "car insurance Spain comparison" you should come up with several companies offering to compare rates with others. Be aware some companies will not insure high performance vehicles and you will need to include the information on your vehicle type with your insurance application.
The people who are most likely to have the hardest time getting cheap car insurance in Spain are the tourist, and expatriate. For those who have brought their vehicle that is registered in another country particularly the UK, there are a couple of steps you should follow to be sure you are insured at the cheapest rate possible. Insurance rates in Spain are some of the lowest rates in Europe, however it is the law in Spain that only Spain registered cars can be insured by a Spanish insurance company. European insurance companies in general issue an automatic green card so you are covered in other European countries. Not so with the UK, which limit the period of time they will extend a green card, x number of days in a year. Before your visit, a UK resident with a UK registered car will want to contact their insurer and if their coverage can remain in effect in Spain and for how long.
You can also find car insurance in Spain through a European based insurance company with a branch in Spain. This is permitted by law there. You might want to be aware though, the rates are often anything but cheap if you must choose this option.
The final alternative is for expatriates or persons on extended visits from the UK with a British registered car, usually if you spend over 6 months in Spain you may be required to take out a special European insurance policy or insure your vehicle through a British car insurance company with a branch in Spain. How easy it is to find cheap car insurance in Spain will depend upon where your vehicle is registered and the policies in force by your current insurer.
Tips & Warnings
- Rental cars will come with appropriate insurance (you will pay for it) but might be the cheapest car insurance in Spain for the visitor.
- Photo Credit Find Cheap Car Insurance in Spain
- What Is Civil Liability Insurance?
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