Cheap professional auto insurance: how to choose?

Cheap professional auto insurance: how to choose?


Among all the criteria that allow you to choose your professional auto insurance, the contract price is certainly the most important! But how can you be sure to benefit from the best price without compromising on the quality of the guarantees? Besides, which ones are essential? More generally, how can you benefit from the best prices? Discover our advice on how to pay less for your professional auto coverage as well as our comparison of the cost of market offers:

Summary

    How much does professional auto insurance cost in 2021?
    Where can I find a cheap professional automobile insurance contract?
    How is the price of professional auto insurance calculated?
    Cheap professional vehicle insurance: our 7 tips
    What are the essential guarantees for cheap pro car insurance?

How much does professional auto insurance cost in 2021?

Even though the cost of professional auto insurance is specific to everyone depending on their situation, the number and type of vehicles to be covered, we have compared insurance prices with different players. Many insurers do not offer an online simulation. You will therefore need to contact an advisor or use an online comparator to have access to a personalized rate.
Examples of annual professional auto insurance rates:
logo-axa
Third party formula
€ 217
All-risk formula
Price by appointment
Franchise
According to situation
logo-generali
Third party formula
Price by appointment
All-risk formula
Price by appointment
Franchise
According to situation
Third party formula
173,23 € (company car)
All-risk formula
€ 283.06 (company car)
Franchise
195 €

In our example, we have chosen to insure only one professional vehicle with a fiscal power between 5 and 7, for a driver who has held a license for more than 3 years and without a history of damage.
Where can I find a cheap professional automobile insurance contract?

Before taking out a professional auto insurance policy, you should compare the offers. And to do this, you have to access the quotes from the different companies. To receive offers, you can:

    Contact the various organizations offering professional insurance solutions directly: insurance companies, mutual societies, banks, other intermediaries. This process is long and time-consuming, because you will have to contact these organizations one by one and wait for their quotes.
    Contact a professional insurance broker or use the online comparator he makes available to you. This tool will allow you to access the best quotes, sorted according to your profile, your needs and your budget, at the best price.
    You are then free, if you wish, to subscribe to a pro auto contract online. You can also simply download one or more quotes.

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COMPARE OUR AUTO PRO INSURANCE CONTRACTS

If you use your personal vehicle for your professional uses, then all you have to do is declare the nature of your activity to your current auto insurer, who will adapt your contract. Thus, your vehicle, the people or goods transported will be covered in all circumstances, both personal and professional. If the price it offers you doesn't suit you, don't hesitate to compare the offers of competing companies.

If you use a vehicle solely for professional use, then and as provided by law, it must be insured with a professional contract, in your name or that of your company. Do not subscribe to the first offer that comes along, but take the time to compare the terms and prices of market quotes.

If your business uses more than 3 vehicles, we recommend that you study the fleet offers of insurance companies. Almost all organizations offer them. In addition to obvious ease of management (because all vehicles are insured under one and the same contract), you can benefit from the advantages offered by your insurance.