This depends on you. If the car is brand new you can take out a car insurance in Spain without any excess. Alternatively, to keep the premium down you might agree to accept an excess. The amount of excess will adjust the price. Clearly the greater the excess you are willing to accept then the lower the premium. Excesses start from around 90 euros. Most clients tend to take a 200 or 300 euros excess on their fully comprehensive car insurance in Spain, but the decision is yours.