if you tell your insurer "I'm a new driver and I will drive at least 25km per year for work with a new car", you will be considered a high risk. Annual Premium will be easily upto $3,000: You will have no choice but to buy comprehensive coverage, because most likely you would like to go finance to buy the car.
Generally speaking, woman tends to be nervouse and maybe too nervouse to see a minor accident. Unfortunately, it's for sure that every driver has at least one accident sooner or later. It's a heart attack to her. And, because she has a brand new, she cannot tolerate an old car parking close to hers. She cannot tolerate tiny dirt resting on it. She cannot tolerate a small scratch in the body...The worst of all, her substantial the other half is always the one being blamed for all above!