5 tips for choosing your car insurance
Are you about to buy a new vehicle, or do you want to change car insurance ? Here are our tips to help you find the formula that suits you before signing a contract.
Dress up your portrait
Before making an appointment with an insurer or starting to analyze the various rates offered, you must determine your type of vehicle (model, new or used car, etc.). and consider your personal situation (young driver, driver with malus, etc.). It is necessary for you to establish this "inventory" because the rates vary greatly depending on these two variables.
Make a comparison with his former contract
If you already have a car and want to cancel your contract with your current insurer , list the reasons why you can not find your account. This list will allow you to see which guarantees you absolutely need.
Perform a simulation
To make a simulation with a potential insurer, you must communicate several parameters: Is your vehicle new or used? ; are you the main driver? ; how many kilometers do you travel each year? ; Do you have any bonuses or penalties? etc.
It is important to communicate accurately on this information, so that you are not too much or too little assured.
Conducting simulations with several insurers will then allow you to determine the auto insurance that best suits your needs, while not hurting your wallet too much.
Play the competition
However, do not focus too much on the price because the cheapest insurance will not necessarily be the best. No need, therefore, to sign the first interesting offer to you.
When you are certain of your choice, and the insurance for which you will opt, do not hesitate to go with your quote at other insurers. It's up to you to see if they can align with a competitor.
Check the amount of the deductibles
If the price of an insurance seems attractive to you, check the amount of their deductibles: often they are excessive. This means that in the event of a disaster, you will have to spend relatively large amounts. To have a more affordable franchise, so it's better to pay more at the collateral level.