Are you hesitating between two auto insurance policies?
Between the cheapest and another formula for example?
Do you know that there are tips for finding the best auto insurer?
From the study of rates, through reviews and coverage, nothing will escape you to choose the right car insurer.
I find the best insurer for my car
1) Study the rates of the different insurers
To choose the best auto insurer, one of the first selection criteria is the price.
This varies according to the guarantees: the more there are, the higher the price will be.
The price also varies according to the use you have of your vehicle and your annual mileage.
Don't forget: driving without car insurance is an offence, which can be punished by a fine of €3,750 and one or more additional penalties (work of general interest, up to 3 years of driving license suspension , day-fine…).
Once the various tariff proposals have been studied, do not throw yourself on the most economical insurance!
Other criteria must indeed be taken into account.
2) Compare the levels of car insurance guarantees
Several levels of guarantees exist and they vary according to the auto insurance formulas.
Let's start with the basic formula, which anyone owning a vehicle must take out: civil liability or third-party insurance, which covers all damage to the vehicle on others, people or objects.
Very often, insurers offer to supplement this mandatory basis with essential guarantees, such as the driver's guarantee.
It is often also possible to benefit in addition to guarantees for damage to the vehicle (theft, glass breakage, fire, natural disasters): this is intermediate insurance.
But to have a more complete insurance, it is recommended to opt for the all-risk insurance, which represents the most protective level of guarantee.
It is ultimately THE best car insurance.
Most of the material damage caused to the insured vehicle is thus covered, including in the event of an accident without third party liability.
You will also be able to choose car insurance options to enhance your coverage.
3) Evaluate the discounts offered by the insurer
Are you a good driver?
It will then be possible to pay less for your car insurance according to your bonus-malus.
With some insurers, such as Matmut, your bonus is not limited to the 50% regulatory bonus, but continues to increase up to 65%.
Interesting isn't it?
At Macif, good drivers can benefit from a maximum reduction of 10% on the amount of their contributions in the absence of claims.
Good to know: if you have home insurance, you may be able to benefit from a reduction by choosing the same insurer.
4) Rely on the opinions of other drivers
Among the criteria that will help you make the right choice: comments and feedback from other drivers.
Reviews are often informative if you know how to sort them out.
Focus on concrete positives or negatives.
Make your small investigation on the reputation of the insurer which seems to you to be best suited to your research.
>>Click here to compare car insurance contracts!
5) Take advantage of the online services of insurance companies
Take advantage of all the power of the Internet!
Insurance organizations offer customer areas and applications where you will find a lot of personal and general information as well as advice.
A Smartphone will thus allow you to be geolocated by your insurer in the event of a breakdown or accident on the motorway, to declare a car claim or even to carry out an accident report by means of e-report.
If you are interested in these digital assets, choose a well-digitized car insurer.
