What to look out for with a second car and when does it make sense?

Thomas Wachsmuth September 19, 2022 Tips, products, information & Co.

Reading time 5 Min.

What to look out for in a second car and when is it available at all useful? Currently, the trend is increasingly towards the second car. In Germany, more and more people own a second or even a third car. Are you considering purchasing another vehicle? Then in this guide you will find out in which cases a second car makes sense and how you can best insure it.

When is a second car worth it?

A second car is of course a big burden for you at first. But it is often worth investing in a second car. You are several adults in a family and you all have to go to work or commute to university? The bus, train or bicycle take too much time to get to work or university? Then of course it makes sense that every adult family member with a driver's license also has their own car. And even if you don't have a long way to work or even work from home, children are often a reason for a second car. If a parent is traveling by car, activities such as hobbies, friends or trips with a second car must namely not fall away.

Or you just flirt with a fancy one Convertible for the summer or a sports car for the adrenaline rush on vacation? These chic cars are not always suitable for everyday use and are therefore particularly suitable as a second car. Of course, it can also be the other way around. You already have a sports car and want to protect your favorite car in everyday life or in winter. In addition, do not all the suitcases fit in for the holiday? Even then is a good choice a second car. Of course, many parents also buy a second car because a child has passed the driver's license. The novice driver shouldn't drive around in the expensive family car right away.

Tips for buying a second car

However, before you go straight away and buy your dream car or the everyday runabout as your second car, you will receive a few useful tips. You should consider this before buying a second car:

The place to park the second car:

A second car is nice, but where can you park it? Is the garage or your parking space not big enough to park a second car there? And the public parking nearby is hard to get? Then you should see if you have a parking space or garage in a convenient location rent can. The regular search for a parking space can cause a lot of stress and make you less happy about the second car.

Buying a used car:

When buying a second car, many choose one used car. Of course, you can also buy a used one privately. But you should take a close look so that you don't regret buying the used one later. To be on the safe side, you should buy your used vehicle from a dealer you trust.

Financing the car:

Do you already own a car and don't have the money for a second one at the moment? Of course there is the possibility of a second car finance or to lease. In these cases, you have one installment per month and do not have to raise a larger sum immediately. If you want to return the car at the end of the term, leasing makes sense. You can leave this option open if you sign up for a 3-way financing decide With 3-way financing, however, you should seek extensive advice from your car dealer.

Insurance for a second car:

You can save a lot of money by insuring a second car. In the following part of the guide we have summarized how you can save money on insurance.

Insure the second car and save money

Car insurance is a major expense for car owners. Of course, this is also due for a second car, because you have to have at least one Motor vehicle liability insurance to lock. The insurers give you a better classification through the no-claims discount, which is an advantage for a second car. For novice drivers, of course, it pays off if the first car is registered in the name of a parent and you thus benefit from inexpensive insurance. It is important to register the novice driver as a driver in the insurance. However, this again increases the insurance premium.

What are the requirements for the second car regulation?

You should meet these requirements so that the second car regulation applies to the insurance company:

The insurance company for the first car also insures the second car (not always necessary)
The car will be registered in your name, your spouse or partner.
You have reached the age between 23 and 25 years.
Your first vehicle has reached a special SF class. Usually the SF 2, SF 3 or SF 4.

This is our conclusion

A second car yes - but right! If you have decided on a second car, here are a few more tips at a glance: look for a suitable parking space for the second car. You can look around the new or used car market and decide whether to buy, finance or lease. Talk to the insurance company and compare the different offers. Now nothing stands in the way of driving pleasure with the second car!

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