How to choose good car insurance?
Don’t just choose the first insurance offer you find; start by taking stock of your driver profile to find the best coverage. Ask yourself:
How often will you use your vehicle? Depending on your answer, the number of options and warranties included may change.
What is the power and value of your vehicle? Here too, the impact of tax horsepower , that is to say the taxable power of your vehicle, noted in CV, will have an impact on the cost of your insurance.
Will you be the sole driver of the vehicle, or do you plan to share it? Depending on your family’s needs and circumstances, you may need to entrust your vehicle to your child or a third party more or less regularly.
Breakdown and accident assistance
Vehicle loan
There are currently three car insurance plans on the market that allow you to cover yourself and/or your car against the risk of a claim. Please note that the deductible and compensation cap vary from one insurance company to another, depending on the plan.
Third-party insurance: This “minimal” level of insurance generally corresponds to the entry-level option. Third-party insurance primarily includes liability coverage, as well as legal protection to provide assistance in the event of a dispute.
Third-party insurance plus: this level of insurance corresponds to an intermediate level of protection. Third-party insurance plus allows you to benefit from minimum and mandatory guarantees, with the added bonus of coverage in the event of attempted theft, fire, and broken windows. Its price is therefore naturally higher than a basic plan.
Comprehensive insurance: With this level of protection, you have all possible guarantees, although options vary from one insurer to another. Not only does comprehensive insurance include basic liability coverage, but it also provides compensation for all bodily injuries and property damage to your vehicle, regardless of who is at fault for the accident.
Choose insurance that is appropriate for the type of vehicle you drive
The very nature of your vehicle has an impact on the type of contract you will have to take out and the amount of the monthly payment.
For example, if you have just purchased a new vehicle or you notice that your purchase retains a high value even after several years, it is better to opt for insurance that includes several options, such as “all risks”.
If, on the other hand, your vehicle is old or of low value, you will be better off evaluating third-party or third-party plus insurance offers.
The way you use your vehicle on a daily basis will inevitably have an impact on the insurance policies you should take out. For example, if you consider yourself to be a “low mileage driver”, you can take out insurance based on mileage .
Are you experiencing a bonus-penalty ratio of more than 100, or has your insurance been canceled? Consider getting insurance specifically designed for your situation, as insurers consider you a high-risk profile .