The first thing to do is to define your profile and your needs. Will you be a big wheeler ? Or an occasional rider? Which car ? What type of journeys? And especially what guarantees you want ? Car insurance is compulsory for driving on the open road. However, only the ” Civil Liability is. This is insurance that covers damage you may cause to others while driving. It is the minimum guarantee that we can have.
As a young driver, find the right insurance by going through a online comparator. It is still the best method to see and compare all the offers available on the market. Above all, it is a huge time saving and flexibility since we can make this comparison when we have time, in the evening, on weekends, at lunch break, etc. without having to make multiple appointments with each insurer. Very soon you will get personalized quotes.
always be honest
In addition to knowing your profile and needs, it is essential to never lie for his insurance. An insured who lies about his past as an insured, a driver, his habits, or other, may very well be “dropped” by his insurance in the event of a claim. The game is clearly not worth the candle, given the sums potentially at stake in a road accident.
Depending on your car, you will also pay more or less insurance premium. It may be appropriate to postpone the purchase of the car of your dreams for a few years to settle for a more basic model, less expensive but above all less powerful. When requesting quotes, you can also see possible reductions. Some insurances will take into account the fact that your vehicle hasa closed garage for example, which will limit climatic damage but also theft. Others will appreciate that we have done driving courses called “defensive”, or that you own an electric vehicle. Above all, the estimated mileage is important. More and more insurance companies have “little riders” formulas. Again, don’t lie about the mileage you’re going to do during the year.
Be careful not to overdo play on franchises. A deductible is what you have to pay in the event of a claim after coverage by your insurance. The higher this deductible, the cheaper the insurance policy will be. The monthly insurance premium will probably be more within your reach, but in the event of an accident, you will therefore have to pay more “out of pocket”. It is a risk to be carefully assessed.
Before taking out insurance, watch out for overly attractive offers. Indeed, insurers will offer you more or less the same rates. The difference will be played on an option, a possibility of reducing the monthly payments according to certain conditions, or a coupling of auto + home insurance. If you find an offer too interesting, distrust. That doesn’t mean it’s necessarily a scam, but there may be specific conditions, or a missing warranty. It’s necessary compare the options proposed.
Reading customer reviews about the insurer is also an indication. Reputation is often synonymous with quality of service. Taking cheaper insurance but with a sulphurous reputation is probably not the best choice to make.
Sign several contracts at the same time
Bring multiple contracts to his insurer can be a good way to lower the rates. A home insurance, for example, coupled with that of the automobile can give a more interesting average. Agents are interested in new contracts and can make commercial gestures. There may also be national operations by insurance with discounts.
It’s necessary play the competition. Before, you tended to take the same insurance as your parents and stay with the same company for years. It’s over now and we can change insurance more simply since the Hamon law known as “on consumption” which dates from 2015 and allows you to terminate any insurance contract when we see fit, without justification, after a year of membership.
For those who feel lost in the face of all the possible offers, there remains the solution of the insurance broker. This is a person who will look for the best offer for you based, again, on your profile, your budget and your needs.
But, don’t forget, insurance is compulsory to drive a car. More and more people drive uninsured. This is a very bad calculation because in the event of an accident, it will be up to you to settle everything. And if the equipment can already be expensive, as soon as there are injuries, or worse, a death, it’s your whole life that you will have to pay.