Comment comparer les devis d’assurance auto en ligne?

Undertaking the research for the best car insurance offer can seem fastidieux, pourtant il can be judicieux to make a comparatif and thus achieve some savings without negliger les guarantees. We invite you to follow six tips to make a car insurance online idea request.

Council no. 1: insure your car!

In France, all motor vehicles circulating on French territory must be covered by a motor warranty according to the Insurance Code. The least, vous devez souscrire un contrat d”assurance responsabilité civile que l’on appelle plus commonément “assurance au tiers”. If you are responsible, this contract will allow you to compensate victims of damage to your vehicle… but you still don’t own the car.

If you are controlled without insurance au volant of your vehicle, fine 3 750 euros and can add a suspension of the license, on working days of general interest, the obligation to fulfill frais a stage of awareness à la road security depending on the situation where you are at the time of the crime.

Bon à savoir : même si vous n’utilizez plus your vehicle, qu’il soit garé sur la voie publique or dans un garage fermé, you have l’obligation de l’assurer sauf si you can prover qu’il n’est plus in circulation condition. This état « d’épave » cannot be justified by a simple bench. Il faut, par example, que l’automobile n’ait plus de roues or de reservoir d’essence.

Council no. 2: Define your need for car insurance

Avant de vous lancer dans la recherche de devis d’assurance car, prenez le temps de réfléchir au nivelo de couverture que you want. Warranty requirements may be different depending on the car (a collector’s car, a car with more than 100,000 kilometers, a new car…) or the child’s use (ponctuelle, tous les jours pour travailler, sur de courtes distances, etc.).

Vous devez aussi penser aux conducteurs potentials à assurer: vous-même, votre conjoint ou conjointe, un de vos enfants jeunes conducteurs, un proche qui conductonnellement mais regularly votre véhicule, etc.

To consider the different configurations, each insurance that contacts you if you make a personalized offer corresponding to the best of your warranty need and a competitive rate.

Council no. 3: prepare the information on your driver profile

Afin d’establiar un devis, que ce soit en ligne, par téléphone ou en agence, you devrez pouvoir indicare le model of your voiture, son année de mise en circulation (indiquée sur la carte grise), sa puissance, son énergie (essence ). , diesel, electric, hybrid), son usage (privé ou professionnel), etc. You should also indicate your bonus-malus.

Bon à savoir : lors de la souscription à votre assurance auto, if you have already been assured aupuravant, you must provide le « relevé d’information », attestation fournie par votre precedent assureur faisant un récapitulatif des sinistres in which you were involved les dernières années et mentionnant votre bonus or malus.

Did you save them?

Was your car already insured with another insurance company? Après une année d’assurance, you have the right to cancel the contract for the entire time without any forecasts. The termination of the previous contract will be charged to the new insurance to put an end to your ongoing car insurance contract. To avoid a vehicle being found without warranty, you must send this application via registered paper courier or in the electronic version. For resiliation, a mois is effective after receiving the request through the previous insurer. You serez alors remboursé de la partie de la contribution correspondent à la period du contrat qui restait.

Conseil no. 4: multiply online devis requests

Chaque assureur proposes on line the possibility of making a request for remote conception, voire une simulation de your future cotisation in souscrivant un contract chez him. Souvent le bouche-à-oreille et la reputation de la compagnie d’assurances font que les conducteurs ou conductrices demandent peu de devis en ligne. They find what temps de recherche complexe ou fastidieux. Ils ne pensent pas non plus à soliciter des assurances auto accesibles en ligne, for example.

However, with the development of online comparators, this demarche de recherche is greatly facilitated. You can thus get different ideas and direct contacts to insurers by filling out a unique online form. Thanks to the insurance comparator, you can evaluate different guarantee offers according to the needs of several insurance companies at the same time!

Si vous gagnez du temps pour la cerere en passant par un comparateur d’offres d’assurance, sachez that les assureurs that you aurérz retenus prendront then contact with you by mail or by telephone to propose the plus adapted à your profile de conducteur.

Council no. 5: which covers each guarantee of your future car insurance?

Comme evoqué plus haut, l’assurance au tiers is a minimum possible guarantee to insure a car. Elle couvre les dommages que votre voiture peut occasionner: injury to a pedestrian or a passenger, damage caused to another vehicle or to a building, etc. accident will not be compensated pour les dommages subis.

Depending on your needs, you can choose to subscribe to the options that complement the basic guarantees of this contract: assistance panne 0 km, défense juridique de l’automobiliste, vol dans la voiture, bris de glace, véhicule de prêt, montant of your franchise, etc.

Bon à savoir : certain insurances have been designed often economical formulas to meet the needs of a car insurance, which is already many kilometers in the account and for which you are looking for a pas chère car insurance offer.

If your car is new or recent, or you are in a high-end car, you have every interest in taking out an all-risks insurance policy. Thus, what is your responsibility in an accident, the bodily and material damage you may cause in a level or at a time what driver will be covered.

Conseil n° 6: how to subscribe online?

You can subscribe directly from the site of the company d’assurances that you want to select or make your subscription via a comparator d’assurances. Lors de your subscription online, l’assurance you must provide a proposition d’assurance clearly indicating the amount of the contribution, les garanties and the vehicle assured.

Si l’offre vous convient (tariff, couverture des dommages, niveau de protection, etc.), you have a délai de 10 jours à partir de la date portée sur l’avis d’échéance pour payer your contribution.

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