Cheapest car insurance: this criterion?

Making sure it’s okay to pay the right price is better! In France, make sure the vehicle is a mandatory document. Unfortunately depending on the year, the mileage and especially the insurance company, the prices can vary greatly. Fortunately, there are some tricks to achieving savings.

Enjoying cheap car insurance is the dream of many motorists. Admittedly, finding a car insurance policy at the best rate is not always a trivial matter. However, it is possible to save on your contributions!

How can you save money on your car insurance?

Young driver, bad driver, owner of a family car,… No matter the status, the object of each is obviously to find an insurance policy at the best price. Of course, rates vary according to different criteria, such as vehicle type or brand. Obviously, you will not pay the same fee for a small city car for a luxury 4×4. Still, there are some tips to save money.

Use an online insurance comparator

The best way to compete on-line vehicle insurance offers is to go through a comparator. What type of tool allows you to compare the quotes of many insurers in minutes. What kind of platform usually works with many car insurers. A good way to find insurance at the best price.

Even better, according to an Ipsos study, going through an online comparator saves an average of € 360 per year on the amount of your contributions with the same guarantees. All you have to do is fill out a form to determine what your needs are. The comparator then offers you a car insurance offer tailored to your profile and your vehicle.

After that, all you have to do is compare the prices, deductibles and guarantees offered by different insurance companies. Once you have found an interesting offer, you can contact the chosen insurer.

Choose assurance have levels

There are, traditionally, three types of formula for insuring your vehicle: third party insurance, third party Plus insurance and all risk insurance. Obviously, you will not be covered in the same way according to the chosen formula. And the formula au tiers is the one that hides you less, they remain, by definition, the one that costs the least. You need to know that this last instance will be charged for all bodily and material damage, which allows you to cause a level of liability for the accident.

It also includes the guarantee of civil liability and, in most cases, includes legal protection. However, this formula does not cover damage to your vehicle in the event of vandalism, theft, fire, disaster or ice breakage. This insurance is therefore to be preferred if you own an older (or already damaged) vehicle, if you are a young driver or a “little driver”.

I’m considering mileage insurance

Another way to save money is to pay for mileage insurance. In fact, you are a “little rouleur”, useless to spend fortunes for miles that will never be reached. If you choose car insurance per kilometer, you will be able to lower the price of your contributions. There are two types of formulas for this assurance.

On the one hand there is insurance to the nearest kilometer. With this one you will, monthly, pay your car insurance premium according to the number of kilometers traveled. This formula is very interesting for those who are, in fact, small rollers. If you drive more often, you can’t take advantage of this offer. The second type of insurance per kilometer is the mileage plan. Very common, this offer is based on a flat rate of between 4,000 and 20,000 kilometers per year.

Opt for free dosage insurance

When a new insurance policy is taken out, some companies take advantage of dosing fees for its new customers. So it is always important to make sure, when signing your contract, that it does not include these file fees to your premiums or maybe negotiate a discount with your insurer.

This can be scary at times, but their service is just as impeccable. Online insurance companies usually allow you to save on your contract La raison? Since the latter are 100% digital, everything is dematerialized. Thus, it will not be done for des frais liés when managing the premises for a traditional agency.

In addition, there are no intermediaries, you will not have to pay commission fees on your contracts. Rest assured, online insurers guarantee you the same formulas as a regular company. In addition to the finance aspect, choosing an online insurance allows you to save time since everything is done by phone or online.

Car insurance: add and remove additional guarantees and options

Les garanties complémentaires are not required to take out an insurance contract. You can therefore decide, when you want, to add or remove them. If they can be useful, they are not essential and therefore help you to achieve additional savings. With the latter you will be able to cover your equipment, your passengers and yourself!

Keep in mind, there are various ways to save money on your car insurance policy. It is important to define the needs and, par la suite, to let the comparator do it to help you find the best deal. Note that to do a simulation on the comparator site, you will need to show the driver history (bonus-malus, seniority,…), the characteristics of your vehicle, your habits (frequency of use). You will also need your driver’s license, registration certificate and your car insurance information statement.

In partnership with lesfurets

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