The law is clear. All land motor vehicles put into circulation must be insured. If you own a car that you use, you must therefore take out an insurance contract with an ordinary insurance agent, broker, bank or insurance company. It is up to you to see what best suits your profile, your car and other parameters that will soon hold no secrets for you. Car insurance comparisons can be of great help to you.
Choose the car insurance that is adapted to your driver profile
Have you had your driving license for a short time? Are you considered a young driver? Or are you more of a very experienced driver? This will already lead you to a certain type of contract with more or less extended guarantees.
Similarly, if you have never had any incidents – or even accidents – to report, you will not be placed in the family of high-risk drivers and will not have problems choosing the insurance that suits you better. Conversely, a driver with a turbulent history (for example, having a license revoked for a period of his life) may be forced to accept simple liability insurance or have to pay increased contributions.
The right car insurance for your car
Is your car over 10 years old and not worth much on the used car market? Opt for third party insurance which will be more than enough. A beautiful car that is very desirable or very powerful should require more extensive and expensive insurance. All-risk car insurance is more expensive, but it will protect you better in the event of damage.
Also take into account the cost of repairing your vehicle, which will involve more or less expenses and therefore require more or more solid warranties.
Have you chosen a leased car? The insurance you need must include serious guarantees so as not to put you in a difficult financial situation if a disaster occurs. In this case, a low resting charge is preferable, isn’t it?
The right car insurance at the right price
Finding the right insurance means, as you will have understood, meeting several criteria. If the cheapest insurance policies are attractive at first glance, they may not be suitable for everyone! You will realize this on the day the claim notice is submitted to you. The cheapest car insurance remains a third-party contract whose coverage is mainly limited to civil liability. Aiming for car insurance with a quality-price-guarantee ratio is therefore the most strategic option.
Note that according to UFC-Que Choisir, an increase in insurance paid by motorists is expected to be around 2 to 3% in 2023, while the rate of claims has not really increased. On the question: the current inflation situation, but also the increased sophistication of cars.
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Take a look at the franchise
The excess, that is, your remaining fee after the insurance’s compensation, is also an element that must be taken into account when choosing car insurance. As a starting point, the more you risk causing a loss, the more it is in your interest to reduce the corresponding deductible. Which of course means you’ll pay a little more for your car insurance premium, but you’ll be a winner in the long run. Conversely, you can increase your deductible to reduce your contributions if you are an excellent driver with no incidents to report in recent years.
However, if you are a young driver, your insurance company may agree to increase your excess to reduce the payment of your premium… Don’t be shy and discuss this with your adviser to lower the amount of your car insurance or other costs!
