Car insurance is compulsory, whether it is driving or not.
The price for insuring the vehicle can easily be compared online and price differences may appear depending on the formula selected.
We tell you more about the prices of car insurance according to the profiles, whether it is third-party insurance, third-party + or all-risk insurance and especially about the lowest prices observed by LeComparateurAssurance. com.
I find insurance at the best price
Rates that vary from 6 to 14 euros per month depending on the formulas
With the most basic form of car insurance, third-party insurance, the lowest generic price observed is around 80 euros per year according to a price study by ComparateurAssurance.com.* If the price is so low, barely 6 euros per month, it is due to the level of protection of this formula which only insures damage caused to third parties, but not to the vehicle or the driver.
To be better protected, there is another car insurance formula, the extended third party formula or third party +.
In this case, the driver pays his contribution a little more expensive, around 100 euros per year**.
It is then a little better covered, in particular with more guarantees for the vehicle such as theft, glass breakage or even fire.
This formula therefore costs just over 8 euros per month.
This is the lowest price observed by the comparator.
Then you have the choice of all-risk car insurance that is the most protective for you and your vehicle.
Inevitably the amount of the insurance increases according to the guarantees.
According to LeComparateurAssurance, the cheapest rate is around 110 euros per year***, or just over 9 euros per month.
If you want to be even more protected, there is also an enhanced all-risk formula.
You have optional warranties to be better protected depending on the type of vehicle in particular and your use.
In this case, we see a rate of nearly 170 euros per year****, or about 14 euros per month.
These rates are the cheapest found by the comparator which goes around all its partner insurers and studies the prices according to the profile.
These elements can give you a first idea for choosing your car insurance.
What to remember for the lowest car insurance rates
Rates can double with better protection for your car depending on the formula and the insurer.
These are the lowest rates on the market observed by LeComparateurAssurance.com, which specializes in the sector and compares contracts for you.
However, you must remember that the insurance rate is not everything.
You need to make simulations and comparisons of quotes online according to your situation.
Because you are certainly not going to pay the same price as your neighbour, because you do not necessarily have the same car, not the same use (mileage, bonus-malus...), nor the same profile or even the same type of storage (open, closed garage, etc.).
Here are the figures to remember about the cheapest insurance:
80 euros per year for third party insurance
100 euros per year for extended third-party insurance
110 euros per year for comprehensive insurance
170 euros per year for reinforced all-risk insurance
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*Rate noted on Meilleurtaux.com on 06/15/2022, for a 64-year-old private sector employee.
**Rate noted on Meilleurtaux.com on 06/08/2022, for a 54-year-old public sector employee.
***Rate noted on lecomparateurassurance.com on 05/20/2022 for a 63-year-old retiree.
****Direct Assurance rate noted on the insurance comparator on 08/05/2022 for a 40-year-old retiree.