Like all motorists, you want to avoid paying a high price for your car insurance. The one that will make your neighbour happy may not necessarily suit you, here is how you will be able to adapt yours according to your profile, your vehicle, your habits and of course by finding the offers with the most advantageous services at a lower cost.
Find the right contract for you
For a new car owner who is not afraid of the price of his peace of mind, if you recognize yourself in these criteria, the “all risks” formula meets your criteria. On the other hand, a third-party car insurance policy will not hurt your wallet as much if, on the other hand, your vehicle has many kilometres on the odometer. Age is also another factor of choice, as with a young driver, considered “at risk”, he will receive an additional premium for the first 3 years of his driving licence. To save you the trouble with your limited budget, being a secondary driver will do the trick. Otherwise, there is also the insurance per kilometre and the one that will be based on the driving.
IDENTIFY THE SERVICES THAT SUIT YOU
Although the benefits in the event of a claim vary according to the subscription and the company, they can cover the provision of a replacement vehicle, the duration of which depends on the nature of the damage, theft, accident or breakdown. It should be noted that this number of days of coverage is another form of deductible because it also matters. In addition to this variant, you also have the choice between the simple deductible which corresponds to the amount paid by the insured or the absolute deductible which is fully paid by the insurer under certain conditions. According to the clauses that this sum not reimbursed by the insurer for the damage in which the insured is liable takes different forms.
Identify the services that suit you
In addition to the support solutions you can benefit from, you have the good idea to create your catalogue of the best rates to get the cheap insurance via online comparison. However, be careful to avoid insurance companies’ sites for comparison purposes as well as those that request personal information specifically related to your bank account or car registration. Trust only the insurer who satisfies you in terms of service in relation to coverages and your insurance usage habits for business trips beyond price. Since you need an additional premium to be insured when you travel for work, you have the right to ask your employer for financing.