An insurance contract, whether car or home, is taken out for one year and can be renewed by tacit renewal. So you pay every year without even asking questions and it seems painless since you are charged.
If the annual deadline is a good time to check the coverage of your car is adapted to the use of which you understand and its value, you can contact your insurer at any time to make this point.
The first reason may be financial: to lower your premium without limiting your guarantees, especially by making the competition play. Make quotes or compare online through specialized comparators. Once the results are obtained, that is an argument. Either your insurer follows, or you separate from it since the Hamon law allows you to do so.
Other reasons? Your vehicle is old and you have been insured in the same way since it was new; or the use of the car is different: more trips to work and only the walk, a move to a quieter area and the price changes …
Group your contracts
By grouping your contracts on a single insurer, you play the trust. This can be beneficial and allows you to better negotiate your rates.
Losing a customer is always a risk for an insurer, especially if several contracts are at stake. And if the basics are difficult to obtain, I often negotiate additional guarantees, such as the amount of deductibles and compensation ceilings, free options or services, such as “zéro kilomètre” charges or a car ready for a repair. ..