Find the car insurance contract that meets your requirements
Faced with the multitude of insurance companies, choosing your car insurance can quickly become complicated 😗. To simplify your search, the best option is to use an online car insurance comparator.
Which formula is suitable for which type of driver?
The price of your car insurance is largely determined by your profile. Your age, your profession, your place of residence, as well as the length of time you have held your driving license are all criteria taken into account to assess the amount of your premium.
Insurance companies consider young and inexperienced drivers as "at risk" profiles. They believe that these people have less experience behind the wheel and are therefore more likely to be involved in car accidents 🚗. Are you a young or new driver? You will have to pay a surcharge after your first 3 years of driving license. However, if you have taken a driver improvement course, the amount of this premium will be reduced by half.
Since driving experience is important, both young drivers and new policyholders are subject to a surcharge for the first three years after obtaining their driving licence and/or taking out their first car insurance. This allows them to gain experience behind the wheel. As a young driver, it is important to know that this surcharge can be reduced by half if you have followed the early learning to drive programme (accompanied driving).
To illustrate this situation, let's take the example of drivers with a bad driver's license or who have had their insurance canceled. If you are in this category, you are considered a risk profile by car insurance companies. In fact, you present a higher risk in terms of claims. This situation can lead to a considerable increase in your insurance premium. Fortunately, there are specialized car insurance policies for this type of profile, which allows you to benefit from a more advantageous rate 😎.
Let's take another example, that of high-risk drivers. If you fall into this category, you are also called a "risk profile" by car insurance companies. The calculation is simple: your bonus-malus coefficient (malus, in this case) determines the amount of your annual insurance premium. In this case, it is increased. However, be aware that you have the option of taking out a car insurance contract at a slightly more attractive rate by going through an insurer specializing in malus and cancellation 😎.
What are the different options and guarantees available depending on different needs?
There are three options for car insurance: Third Party, Intermediate and Comprehensive. Each of these plans offers different coverage options.
Liability insurance. In the event of an accident for which you are responsible, it covers the costs related to material and bodily damage suffered by third parties. This is the cheapest option, but it is also the one that offers the lowest level of protection 😉 .
Intermediate or third party + insurance. This is an improved third party insurance. This type of contract is customizable. Glass breakage, theft, fire... the guarantees and options offered vary from one insurer to another.
Comprehensive car insurance. This contract displays the highest level of coverage. It protects you better, as a driver, but also your vehicle 🚗.
What additional options should I choose in terms of guarantees?
Do you want to get the best deal in terms of value for money? It is important to think carefully about your coverage needs. You have the option to customize your car insurance by only subscribing to the necessary guarantees. In addition, you have the option to cancel guarantees that do not correspond to the use you make of your vehicle 🚗.
Select additional options based on your driving behavior. For example, if you often lend your car, consider taking out a "loan steering wheel" guarantee. If you want assistance even close to your home, choose the 0 km assistance option 😊. To be supported in the event of a dispute, do not hesitate to include legal protection in your car insurance contract.
What is the recommended type of car franchise to choose?
Are you confused about your car insurance selection? In addition to looking at the rates and guarantees offered, it is important to look at the deductible level. In the event of a covered claim, this determines the amount you will have to pay after the insurer pays out. This amount varies according to the different guarantees. In general, a lower deductible results in a higher car insurance premium. This is quite normal...
We have identified two categories of franchises:
The relative or simple deductible sets the conditions for the insurer's intervention based on the amount of the claim. If it is lower than the car insurance deductible, you will not be compensated. On the other hand, if it is higher, the repair of the damage is fully covered 😀. Let's say your deductible is €200. For a claim of €150, your insurer will not intervene. On the other hand, for a claim of €300, it will reimburse you in full.
The absolute deductible. In the event of a claim, it is automatically deducted from your compensation. Your damages are not covered if the amount of the claim is less than the car insurance deductible. For example, if the deductible is €100 and the claim amounts to €150, only the difference, i.e. €50, will be paid to you.
Choosing the right car insurance based on vehicle type
To determine the cost of your car insurance, factors such as vehicle use, parking mode, tax horsepower, date of first registration and brand are taken into account. For example, insurance companies take into account the fact that certain models are more often stolen. They therefore increase the amount of your premium to cover this risk.
Are you undecided about choosing car insurance? If you own a new car, it is highly recommended to take out comprehensive car insurance. This also applies if you are paying off your vehicle with a Lease Purchase Option (LOA). In the event of a claim, your insurer will offer you better compensation. 😄
On the other hand, opting for third-party insurance is more suitable if you are the owner:
A car that is more than 10 years old.
An inexpensive vehicle.
A car that has covered many kilometers.
A collector's vehicle.
Advice :
If you are in the process of selecting your next vehicle, it is important to take its profile into account when choosing your car insurance. We advise you to compare the different offers before purchasing your car 🚗.
Choose car insurance that is suited to your daily use
To determine which car insurance to choose, evaluate the use of your vehicle. These factors are essential to help you make the right car insurance decision:
The different types of journeys made 🛣️. Needs may vary depending on whether they are business, personal or mixed trips.
The annual number of kilometers traveled. The more the vehicle is used, the greater the risk of damage. For high mileage drivers, it is preferable to choose a protective formula such as comprehensive car insurance 😊.
Place of residence. In general, the risk of accidents or theft is higher in cities 🏙️. If you live in Paris, Marseille or Toulouse, it may be wise to take out special guarantees such as insurance against carjacking and theft.
The type of parking. If you are used to parking your vehicle in a closed garage, it is less exposed to risks. On the other hand, if it sleeps on the street, it is recommended to opt for more comprehensive coverage 😉.
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Which formula should you choose for good value for money?
The price of a car insurance policy varies depending on the level of protection you have chosen. If you want to opt for the cheapest protection, turn to third party insurance. However, cheaper does not necessarily mean better value for your money! In the event of a claim, your costs will be higher. This can weigh on your overall budget.
Rather than focusing solely on the price of your car insurance, it is important to also find out about the coverage options offered. The ideal contract is the one that meets your expectations and is adapted to your specific situation 😉.
When is it appropriate to change your car insurance contract?
Over time, you may need to change your car insurance. There are certain times when it is a good idea to sign a new contract:
Acquisition of a new vehicle 🚗.
Substitution of a previous vehicle.
Changes in personal circumstances: moving, worsening or reduction of risk as an insured person, etc.
Looking for new car insurance after terminating previous contract.
Want to change your car insurance to take advantage of a better deal, after a full year of subscription. Thanks to the Hamon law, you can cancel your contract whenever you want, after one year, without notice required 😃.
