How can I find cheap insurance?
Finding cheap insurance can be difficult for some "vulnerable" insured persons, young drivers, drivers who have been dismissed or disparaged, but also for drivers who want to save money.There are several levers to reduce the bill: buy lower coverage but less expensive, choose a more customized vehicle, or contact a specialized insurance company.
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| Cheap car insurance. How can I find cheap insurance? |
Which vehicle should you pay less?
The characteristics of a vehicle, be it its value, age, or strength, have a direct impact on insurance pricing. A used car with many kilometers on the meter will cost the insurer less in the event of a disaster than a brand new car with the latest driving support technology.Before deciding on a vehicle, it is advisable to find out about the insurance rate that you have to pay by comparing the offers on the market. This allows you to estimate the budget for your car more precisely before and after the purchase and thus enjoy cheaper insurance.
French car market
Which insurance formula to choose?
In addition to the specific evaluation criteria for the profile of the insured and his vehicle, the choice of the car insurance contract formula directly influences the price. Each insurer offers different levels of coverage, including:
Liability insurance, also known as "liability insurance", is the mandatory minimum coverage. Because it only covers the damage done to a third party, it is the weakest protection, but also the cheapest.
All-risk insurance, which is the most protective cover that can be bought, is the most expensive. So to benefit from a cheap insurance rate, it is a formula that is best avoided.
Subscribe to good guarantees and options
The price of car insurance depends very much on the insurance scope of an insurer. It is therefore important to carefully choose all the guarantees (theft, fire, broken glass ...) and options (support, replacement vehicle ...) that will be on the contract to get the best price for adequate coverage.
Malynx tip!
More and more insurance companies are offering offers with tariffs that are adapted to the behavior of the insured. This is the case, for example, with mileage insurance or "Pay as you drive" formulas.
How can the premium be reduced further?
If the driver's profile, the vehicle to be insured and the choice of the formula is not enough to get the best price, another solution is possible to reduce the bill: good behavior. Indeed, every year that is spent without the slightest uncanny person in charge, the insured person earns a 5% bonus on his contract and gradually reduces the amount of the contributions. A way to save your contract over time. The accumulated bonus over time is retained even when changing insurance.
In summary, the search for the cheapest insurance is primarily a question of the balance between the budget that the insured person makes available to his car insurance and the desired insurance quality. If there are ways to reduce the bill, online insurance comparison is the perfect way to find insurance deals at the best price.
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