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Car insurance is compulsory for all drivers in France. It covers damage caused to others in the event of an accident. Because there are many different plans and guarantees, it is not always easy to choose the right car insurance. Here is a complete guide to help you navigate and choose your future car insurer.
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What are the different types of motorists?
The choice of auto insurance depends on several factors, including:
The driver's profile: young driver, experienced driver, disqualified driver...
The type of vehicle: city car, sedan, SUV, sports car, etc.
Use of the vehicle: commuting, occasional journeys, long journeys, etc.
The driver's profile will have an impact on the amount of insurance. Indeed, certain drivers, for example terminated or penalized, will have a higher premium. Conversely, an insured who drives little will be able to take out insurance per km, which is often cheaper. Finally, it is good to know that the power of the vehicle can quickly increase the bill!
Good to know: Young drivers are considered risky drivers by insurers. They therefore generally pay higher insurance premiums than experienced drivers. However, there are solutions for young drivers who wish to pay less for their car insurance:
Driving a relative's or friend's vehicle
Take out third-party insurance
Choosing car insurance for young drivers
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What are the different car insurance plans?
There are three main car insurance options:
Third-party insurance: the minimum compulsory formula. It covers damage caused to others in the event of an accident.
All-risk insurance: the most complete formula. It covers damage caused to others and damage caused to your own vehicle in the event of an accident.
Intermediary insurance: an intermediate formula between third-party insurance and all-risk insurance.
These three formulas can be supplemented by additional guarantees. These adapt to your use of the vehicle and allow you to have better protection.
Here are examples of additional guarantees:
Glass breakage guarantee: covers broken glass of your windshield and other windows of your vehicle.
Theft guarantee: covers the theft of your vehicle and your personal property inside the vehicle.
Fire guarantee: covers damage caused to your vehicle by fire.
Assistance guarantee: offers you assistance in the event of a breakdown or accident (repair repair, towing, vehicle loan, etc.).
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How do car insurance companies set the price?
The price of car insurance can vary depending on several factors, such as:
Driver profile
The type of vehicle
Use of the vehicle
The chosen insurance formula
Guarantees taken out
On average, the price of car insurance in France is 600 euros per year. This is why it is recommended to compare contracts and different levels of guarantee before committing.
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How important is the level of deductible and compensation?
The deductible is the portion of the damage that you remain responsible for in the event of a disaster. The choice of deductible can have a significant impact on the price of car insurance. Don't forget to compare the deductible when choosing between two car insurance policies.
Compensation and the maximum amount are also elements that should not be overlooked when looking for car insurance. Some insurers are in fact more generous than others when it comes to the amount of compensation. And the price difference is not necessarily too high!
It is by taking the time to compare the different offers and choose the formula and guarantees that suit you that you will find the car insurance that suits you best.
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