In the current inflationary environment, each economy matters.
If you have a vehicle, you must insure it, in the same way as the obligation to have a driving licence.
Civil liability insurance for your vehicle, also called “third party” insurance, is a legal obligation, imposed by required by Article L211-4 of the Insurance Code.
It only covers damage caused to a third party while driving or parking the vehicle.
All-risk insurance represents a higher cost but of course its coverage is more complete.
The type of formula varies on the price of auto insurance, but it is not the only element that can affect the increase or decrease.
We tell you more and we give you tips to lower the amount of your car insurance and save money!
I compare car insurance to find the cheapesta
Why lower the cost of your auto insurance?
Rent, shopping, heating and electricity, mutual health, mobile phone, Internet Box, canteen, children's activities... Expenses and expenses and expenses.
Each month.
And in a context of generalized and lasting rise in the prices of goods and services, these expenses weigh even more.
Between July 2021 and July 2022, inflation rose from 1.5% to 6.8% before slowing down slightly in August (6.5%).
It was 5.6% in September 2022 and 6.2% in October 2022. If certain expenditure items can be analyzed to be reduced, why hesitate?
Finding a way to lower the cost of your car insurance will not leave you indifferent.
How to negotiate the lower cost of your car insurance policy?
The insurance industry is very competitive and it is always possible to negotiate with your insurer, who has no intention of seeing you leave.
Present a more financially advantageous offer that seems to suit you… from a competitor!
To have solid arguments, take the time to gather as much information as possible about your car.
The better you know it, the more you will be able to negotiate.
Number of kilometres, age, power, type of energy used... highlight the information that works in your favor.
For example, if it is a car that does not have a high market value, there is no need to take out full coverage.
Third-party insurance may suffice.
5 tips to lower your car insurance
There are tips for lowering the amount of your car insurance premium.
Here are 5 tips to apply to reduce the amount of your insurance.
1) Adapt your contract to your uses
Since you took out your auto insurance contract, perhaps you use your vehicle much less?
Maybe you have invested in a bike that takes you to work every morning and brings you home in the evening?
Whatever the reasons for your change in habits, it is undoubtedly the time to contact your insurer to adapt your contract according to the number of kilometers you actually travel in the year.
A so-called “promenade” contract will undoubtedly be more financially advantageous than a conventional automobile contract.
2) Compare insurers
Many online tools exist to compare the guarantees offered by insurers and the rates of contributions.
An undeniable saving of time, for a more than satisfactory result: it is difficult to miss the contract that best suits your profile and financial means.
By comparing auto insurers, you will be able to choose the best one for your situation.
3) Consolidate your insurance contracts
Have you taken out insurance for your home?
Having a contract for your auto insurance with the same organization can be more economical.
Discounts may be granted to you as a subscriber to several contracts.
Don't hesitate to talk to your adviser about it and negotiate a better rate with him if he doesn't offer it spontaneously through a packaged offer.
4) Drive without accidents
You also have in your hands the power to reduce the cost of your car insurance.
How ?
By driving carefully and strictly respecting the highway code and speed limits.
System of modulation of the insurance premium according to the behavior of the insured, the bonus-malus intervenes at each annual due date the base of claims involving your liability and the base premium can be reduced in the absence of claim (and conversely, increased!).
5) Opt for an annual payment
Many insurers provide a surcharge for premium splitting.
Choosing to pay for your car insurance on a yearly basis therefore saves money.
With these tips, all you have to do is find the car insurance best suited to your driving habits and hunt down hidden costs.
