Start before, take a good look at the car insurance policies you will be purchasing. And if you already own a vehicle, take a closer look at your current contract. Because it is possible to make significant savings, by changing formulas or insurers.
Play the competition
By regularly changing your contract to suit your situation and your vehicle, you can pay less or be better covered. To play the competition - every two years - two solutions: go through an Internet insurance comparator (Misterassur - Capital.fr partner -, Assure and, Hyperassur ...) or call a physical broker.
These specialists will suggest the most suitable offers for your profile, ranking them by the level of premium. Be careful not to focus on the price alone, because the cheapest insurance is not necessarily the best. "We must always compare the price/quality ratio, i.e., the guarantees offered for the asking price, incorporating all the additional costs of essential options to subscribe," says Arnaud Giraudon, president of broker A as Assure.
Adapt your contract and your deductible levels
To select the most suitable deal, start by carefully examining your situation and your vehicle. It is useless, for example, to ensure an old car at all risks, because it will cost you too much for the guarantees offered. In the same way, if you drive several hours a day a modern vehicle, you should take the most important cover.
Three main types of contracts fit into each other: "All Risks" insurance includes the "extended third party" options, which in turn provide more than the "basic third party." Note, moreover, that all the contracts are customizable, and allow to add options, with additional invoicing. Finally, know that to lower your rate, you can always play on the level of the proposed franchises. The higher the amount, the lower your insurance rate will be. On the other hand, it means that you will have to pay more massive sums in case of disaster.
Basic contract: third-party insurance
If you drive little or your car has a very low value to Argus, third insurance is often enough. It incorporates the minimum required by law, namely a civil liability, which covers the damage caused to your possible victims in case of an accident (passengers, pedestrians, and other drivers), and a defense insurance recourse in case of a legal problem. To this essential base, it is imperative to add conductive body insurance (optional paid in some formulas). Without it, you would not be covered for possible damage to your person if you were driving and crashed without a charge. Finally, choose a contract that pays a large death benefit if you die in an accident. Some insurance is limited to a few thousand euros, a largely insufficient amount. Prefer those that provide for the capital of at least 200,000 euros, or 400,000 euros, if you have children of school age.
More protective contract: the extended third
This type of insurance is recommended for newer cars, or if you use your vehicle regularly, to get to work every day, for example. All extended third-party formulas incorporate the third basic formula, with the addition of very useful additional options: for example, the breakdown and accident guarantee, which offers a breakdown and repair service in the event of a puncture, mechanical failure or breakdown of your vehicle, following a collision. Attention, again depending on the options chosen, coverage can be variable. Some contracts only work if you are a victim of a disaster 30 or 50 km from your home. If you make small trips, they are therefore useless. Better then opt for a guarantee "0 km" that will take care of you at the foot of your home. Other nuances: the broken glass option makes it possible to change a broken windshield, except that all insurers do not necessarily include side and rear windows, rear-view mirrors and headlights, and taillights. Finally, note that some extended third-party formulas incorporate the "theft" guarantee.
All-risk contract: the most comprehensive
These contracts are preferred if you own a very new car, of great value or if you drive every day. In fact, all-risk insurances cover you against all risks and above all insure your vehicle, even if you are declared responsible for the accident. Thus, they integrate the third party insurance, a breakdown and accident guarantee, but also theft and fire. In case of disaster, they almost always offer you a replacement vehicle during the repair period of your car. Theft guarantees differ depending on the type of contract: some protection against the theft of your vehicle, others against robbery with violence. Depending on the case, this guarantee may also provide for a theft cover of the belongings stolen in the vehicle or the safe. Accident and your car are irretrievable; it will be refunded at its new value within 6 or 24 months after the contract is taken out. Here too, the differences are significant: the most protective contracts are significantly more expensive than those which ensure all risks with the minimum of guarantees.
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