What to Do to pay Less for their Car Insurance?

Over 80% of the French have a car and everyone knows that the auto budget is an important part of the expenses. Purchase of the vehicle, fuel, maintenance, repairs and insurance costs are increasing. If it is difficult to save on certain items, you can influence the price of your auto insurance policy, by following some simple tips.

The choice of vehicle: a determining act

We do not always think spontaneously, but the choice of vehicle has a direct impact on the price of auto insurance. Whether you have a bonus for years or a light penalty following a claim, your insurer will determine the price of your auto insurance policy especially depending on the make and model of your vehicle.

Although your driver profile is an important part of determining the price of your car insurance, it is the car that is insured. Therefore, your insurer determines the risks incurred by the car if a disaster were to take place. The price of insurance will be calculated based on the age of the vehicle, repair of possible costs, the engine power of the brand and the model, the risk of theft or of the maximum speed.

So when you are looking to buy your first car to replace the one you drive or to acquire additional, analyze all these criteria before signing the deed of purchase. Once on the road, take a reasonable driving and avoid clashes prompt your insurer to give you discounts over the years.

Negotiate the guarantees and deductibles

To lower the price of your insurance when taking out the policy, two negotiating levers with your insurer are possible. First, make sure to choose the formula that truly meets your needs. For example, choose an auto liability insurance if your car is used and is not too high or auto comprehensive insurance if your car is new.

Then, in agreement with your insurer, it may be interesting to dwell on the guarantees associated with the chosen formula. If some are superfluous or completely useless, you can ask to remove the contract through a reduction in your premium. Alternatively, decrease some safeguards strengthening those you feel you need.

If you do not want to reduce the guarantees, the other negotiating leverage with your insurer to see rest franchises. Unlike guarantees, here it will be increased. Plus the cost of the allowances will be your responsibility, the lower the price of car insurance will be.

however remain vigilant on this point: the contract should seal your needs without excessive reduction of your cover. And because, in poor estimation, the savings in the short term could soar disaster (before a small compensation from the insurer and remains a high load).

Compare auto insurance contracts

Thanks to measures introduced by the Hamon law, change auto insurance is more difficult thing. After a year of commitment, you can cancel your auto insurance policy to choose another one at any time, even during the year.

To find auto insurance policy at the best price / benefits / services, it must go around the market and analyze the offers. To simplify these processes and save valuable time, use an online auto insurance comparison, a free and without obligation.

Estimate the Value of your Vehicle

Estimate the value of his car is essential, whether for self insurance or for sale. In an accident, your insurance will be based on the value of your car to compensate you. It is therefore to assess properly. For good expertise will allow better compensation.

What is the value of the car

The value of the vehicle depends on many factors:

 Age: date of release. Inevitably, more a car is old, the less of value in terms of compensation from insurance. Unless, of course, your car collection.

Mileage: depending on the number of kilometers displayed on the meter, if the vehicle is medium used so we can estimate, or more frequently.

Repairs made: if too old repairs were made, the value of the car decreases. Remember to tell your car insurance if you change your vehicle. For more information, read our article, 

vehicle Change: consequences on car insurance.

History: first hand or not ... Depending on the age of the vehicle, the insurer applies a coefficient.

Options: If the car is equipped with various options, it obviously takes more value.

Third party insurance or all risk

Depending on the value of your car, you can choose to be insured fully comprehensive or third party. For example, if your car is old and has already undergone some repairs, make sure the third is sufficient.