New or used, petrol or electric, insurance… Owning a car represents a high investment: at least 5,000 euros per year, or even much more depending on the model.
Indeed, if the French spend 20% of their expenses on their housing (including heating and lighting), their 2nd expense item is that of transport, with 10.7% of their budget in 2018, according to the study by the 'Insee on household consumption.
84.9% of households own a car and almost a third (31.2%) have two.
A significant budget when buying a vehicle, which gets heavier every year with maintenance, the cost of insurance and repairs.
Even if "less than 4% of the 29 million French households buy a new car," says Guillaume Paoli, co-founder of Aramisauto.
Between 2015 and 2019, the barometer of the comparator Lelynx.fr notes that car premiums jumped by 12%.
“According to traditional insurance professionals, the cost of repairs to increasingly technologically sophisticated cars, and increasingly frequent climatic events, explain this increase,” summarizes Christophe Dandois, co-founder of the comparator Leocare.
Result: insuring your car costs an average of 632 euros (all formulas combined) in 2020. A budget that varies greatly depending on your profile and your needs and on which it is always possible to save.
Save and make profitable
This is not the only position where you can earn some precious euros.
Ecological bonuses, conversion bonuses… there are many public aids to buy a less polluting vehicle at a lower cost.
It is also possible to make your car profitable: rental, carpooling, transport of parcels or advertising stickers are all small incomes that help reduce the overall bill.
Each year, the Automobile Club Association (ACA) publishes a file on the full cost of a car to its owner.
Here are two detailed examples for a petrol Renault Clio traveling less than 10,000 km per year and a Toyota Prius hybrid traveling 15,000 km.
THE RENAULT CLIO ESSENCE:
2019 model: Clio Tce 100 Intens
5 doors 5 taxable CV, 100 real horses, emitting 100 g of CO2, neutral bonus (replaces the Tce 90 of 2018 which released 113 g of CO2, neutral bonus).
Acquisition:
20,100 euros (at list price) (+ 4.4% compared to 2018).
Takeover Argus:
7,440 euros, 4-year-old Clio of 35,000 km (60 euros more than in 2018).
Financing:
credit over 4 years.
Mileage over 1 year:
8,998 km.
Consumption:
6.5 liters per 100 km.
THE TOYOTA PRIUS HYBRID: Model: Toyota Prius 122 h Dynamic
, 4 HP thermal engine 98 real horsepower, 75 g of CO2 coupled to a 72 horsepower electric motor, 122 horsepower in combined system.
Purchase:
30,300 euros (list price reduced by 500 euros).
Takeover Argus:
12,650 euros, 2015 Toyota hybrid, 63,000 km (- 3.3% compared to 2018).
Financing:
credit over 4 years which costs 378 euros (- 3.6%).
Mileage over 1 year:
15,895 km.
Consumption:
5 liters of Super per 100 km.
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A hybrid vehicle combines a heat engine and an electric motor, which reduces fuel consumption and polluting emissions.
Our special auto budget file
> Bonuses, bonuses ... how to navigate the aid jungle
> Used car: our advice on making the right choice and avoiding scams
> The electric car, a good opportunity
> Hybrid car: two engines for the price of one
> Auto insurance: how to reduce the bill
> For spare parts, also think of the occasion
> Car maintenance: these sites and apps that save you money
> Rental, advertising stickers… 4 tips to make your car profitable
