Table of Contents
All drivers need auto insurance
Car insurance is necessary to have the right to drive. This type of insurance covers damage to third parties and your vehicle, depending on the terms of your contract. Your auto insurance policy can include additional guarantees, including the Civil Liability guarantee that is part of all contracts.
- Collision damage guarantee
- Guarantee against fire and theft
- Vandalism guarantee
- Ice broken guarantee
- Storm guarantee
- You can guarantee a natural or technological catastrophe
- Terrorist attack and attack guaranteed
- Mechanical failure guarantee
- Warranty on vehicle content
- Steering wheel ready guaranteed
- Legal protection guarantee
You can modify the terms of your insurance contract to meet your specific needs and budget. You can save money by having your insurance formula adjusted if you feel that your insurance is too expensive.
Your contract can be adapted to your needs
The importance of the car will depend on how you live and what your travel habits are. It is important to have a contract that is more suitable for occasional driving if you don’t need your car often. It may be worth looking into the auto insurance per mile option in order to reduce your insurance cost. Depending on which company you are dealing with, the maximum distance that can be covered per year is between 5,000 to 8,000 km. If you have low needs and a limited use of your car, this type of insurance could be an option. You may be able to save up to 50% on your insurance. Do not hesitate to choose this type of offer if you want solid coverage and a lower price for your use.
Choose the most useful guarantees in your contract
Insurance companies are adapting to the increasing competition and trying to offer the best offers. The insured can now subscribe to auto insurance contracts, adapting their guarantees to meet their needs.
By only paying for the protections they need, insureds are guaranteed to pay the best price and make substantial savings on their insurance costs. We are particularly fond of legal protection, broken ice guarantee, and the guarantee of assistance losing points.
You can reduce your contributions by reviewing your guarantee deductible. You can reduce the cost of your contribution by increasing your rest..
It is therefore important to adapt your car insurance policies to your specific needs. If you have been a car owner for a long time, you can review the coverages you need and negotiate a new policy with your insurer..
For all claims, do not use your insurance
You will naturally turn to your insurance company when there is a disaster. This can have a negative impact on your insurance premium. Indeed, for “small” accidents, it is not necessarily interesting to call on your insurer to be compensated: light scratches, broken ice … If you report such a disaster, your insurer will apply a penalty to your insurance premium that can significantly increase over the years. Depending on the situation and the amount of repairs for a “small” claim, it is therefore preferable to cover the costs yourself and thus keep your auto bonus.
Go for a cheaper car
The insurance premium you pay will increase if your vehicle’s value is higher. This is a major cost in your budget, and it’s important to consider if you’re buying a new car or you plan on changing your vehicle. Two main criteria for calculating your premium are seniority and motorization. If you don’t use your car often, a car of lower value will be more affordable to insure.
Reduce your guarantee over time
The value of your vehicle will decrease the older it gets. It is a good idea to reduce your coverage over time to reduce your insurance premium. Certain guarantees that your car will be covered can be less appealing. You should therefore adjust your coverage as needed to ensure that you only pay for what you need.
Install safety equipment
You can also reduce the amount of your car insurance’s flight guarantee. You can install safety equipment, such as a tracker system, to lower the chance of theft. This will mechanically lower the cost of your flight guarantee. Your insurance premium can be reduced by changing your residence or using a parking spot to park your car.
Take part in the competition
Comparing different offers on the marketplace is one of the best ways you can reduce the cost for your car insurance. Online comparators are available that allow you to compare prices and conditions from different auto insurers. You will receive a personalized quote quickly and for free based on the details you provide about your insurance requirements.
The current legislation, in particular the Hamon Law, allows you to choose the protection that suits your needs best. You can compete to secure the best protection for you.. If you have already signed a contractual agreement, you can still change it at any point, provided you signed it at least one year prior. It is possible to modify the auto insurance formula easily, which can help you adjust your contract to your liking and reduce your insurance premium.
Get involved in online insurance
New players have been entering the insurance market for several years. Online companies are now available to the insured. Online insurers generally offer better rates than traditional insurance companies. Be sure to verify the company’s quality and the offers offered before you choose this type of insurance.
Profit from the discounts
In order to attract new customers some insurers now offer reductions on their contracts, such as applying preferential rates for the first year. It is a good idea to read the conditions before signing this type contract. This will allow you to take advantage of future growth and reductions in your insurance premium..
By signing multiple contracts with the same insurance company, you can also get a discount on your auto insurance. Do not hesitate to contact your insurer and play the loyalty card.
Opt for an annual payment
You can also pay your auto insurance subscription one-time to reduce your auto insurance bill. You can generally get a reduction of between 5 and 8% by making a single payment to your auto insurance premium.
Optimize your auto-insurance bill
No matter what your driver profile (young or abused), it doesn’t matter.There are many ways to save money on your car insurance bill. Do not hesitate in adapting your guarantee to your actual needs to ensure you get the best price and protection. Online comparators allow you to easily compete for the contract that is most suitable for your profile..
