Auto insurance quote
Car insurance is compulsory to drive safely. However, it is not necessarily easy to find a contract that perfectly matches your needs and your budget. Here is a comprehensive guide to help you understand all the features of car insurance, as well as tips to help you make the best choice.
Compare auto insurance
Summary
How to make an efficient comparison of auto insurance?
Where to get quotes for your auto insurance?
What are the essential guarantees of auto insurance?
What are the prices of auto insurance in 2021?
How to terminate your auto insurance contract?
Young driver: which car insurance to choose?
All our expert articles on auto insurance:
How to make an efficient comparison of auto insurance?
It can be easy to get lost in the face of the sheer number of insurers and auto insurance contracts out there. The use of an auto insurance comparator allows you, as the name suggests, to compare all the offers on the market, and that, in just a few minutes.
Note, however, that there are several things you need to take into account before using an auto insurance simulator.
First, make sure you identify your vehicle correctly. This is because the cost of auto insurance is highly dependent on the age, brand, purchase value and use you make of your vehicle. Insurers attach great importance to the risks you may represent.
Also, it is necessary that you define your insured profile: if you plan to declare two main drivers, if you plan to carpool and lend the wheel to one of your passengers, etc. Vehicle use plays a major role in the cost of your car insurance.
Finally, to make an effective comparison of auto insurance, you must take into account your needs. There are many guarantees: Civil Liability, the guarantee against theft, against broken glass, etc. Analyze all of these guarantees and take stock of your situation before comparing auto insurance offers.
Where to get quotes for your auto insurance?
You have the option of obtaining auto insurance quotes by contacting insurers on your own. Unfortunately, this can take a long time and it can be difficult to analyze all the offers on the market correctly. Online auto insurance quote requests overcome this problem, but require certain steps to be followed:
Fill in all the characteristics of your car: driving a German sedan or a small city car does not mean paying the same amounts of auto insurance premiums. So remember to fill in the make of your vehicle, the model or the cylinder capacity when you request a quote online.
Enter the date you obtained your driver's license: insurers analyze your date on which you obtained your driver's license. Indeed, young drivers, for example, pay higher contribution amounts compared to other drivers, because they present a risk profile.
Find out about your driving style: As mentioned above, driving habits greatly influence the price of your car insurance. Also, other information must be filled in. A 40-year-old man, married, living in Brittany will have a more advantageous contract than a young driver, single from Paris.
What are the essential guarantees of auto insurance?
There are 3 main forms of auto insurance:
Third party auto insurance: this is the minimum compulsory formula for all drivers. It provides coverage in the event of property damage and bodily injury caused to another motorist.
Intermediate auto insurance: if you want to cover yourself more, you have the option of opting for an intermediate auto insurance form. This will allow you in particular to insure yourself for damage related to theft or fire.
All-risk auto insurance: for full coverage of your vehicle, it is recommended that you take out all-risk auto insurance. Note that today almost 1 in 2 drivers decide to choose this auto insurance formula. If you have a mechanical breakdown, if your car is immobilized or if you wish to obtain extended legal aid, you must take out this form of automobile insurance.
To these basic formulas can be added a complementary auto insurance contract, including protection against theft, breakdown, deductible surrender, ect.
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