How to choose auto insurance?

Auto insurance is compulsory, it allows you to travel in your vehicle on public roads and covers material and personal damage that your vehicle can cause to you or to a third party. In this article, we will advise you on the choice of your Car insurance.

🔎 Which insurance to choose?

Not all insurance contracts offer the same coverage. Important choose carefully his auto insurance for protection in any situation.

Three types of auto insurance contracts are currently offered:

• Liability insurance : This is the level minimum protection necessarily in France. It compensates for damage caused by your car to a third party. However, the driver of the vehicle in the accident and his vehicle do not receive insurance for the damage caused.
• Extended third party insurance : It includes third party insurance to which additional provisions have been added. They are determined when signing a contract with the insurer. The protection against certain risks is broader, such as broken glass, theft, fires, or even natural disasters.
• Comprehensive Insurance : This is by far the most complete it offers best possible coverage to a motorist even in the event of a responsible accident. Another advantage is that it allows you to choose which method of compensation you want in the event of a vehicle being destroyed: financial compensation or vehicle replacement.

. Tariffs your contract will vary depending on the type of coverage you choose, your vehicle's model and its movement area and especially your driver profile.

Your profile information tracks your driving history in the last 5 years in terms of responsible claims. It is called bonus Malus.

It is a coefficient recalculated every year that awards or sanctions a driver according to his profile and his driving experience (young drivers, recurring claims, etc.). It sets the amount of the car insurance premium payable by the policyholder.

You must be insured to travel with your vehicle. Indeed, driving without insurance is DELit is subject to a fine 3 750 €, immobilization or even confiscation of your vehicle and suspension of your driving license for up to 3 years.

🚘 Why use an auto insurance comparator?

Insurance companies always offer more or less advantageous formulas according to your needs. Go through auto insurance comparator it is the perfect solution to compare rates and coverage that you can subscribe to.

In just a few minutes, you can run modeling adapted to your profile and find out more than 50 insurers.

First of all, it is necessarydefine your driver profile and your protection needs in relation to your vehicle: location, urban or rural area, regular driving, previous bonuses, your age, etc.

These needs must fit your budget, so we advise you to do auto insurance quote requests who will summarize:

1. Selected insurance formula (third party, third party enriched, or all risks).
2. Annual insurance premium rate for auto insurance.
3. The amount of the deductible.
4. Cost of additional options which you have chosen.
5. Terms of compensation.

Using the online comparator also offers you saving time because you can buy car insurance online right away, this is called 100% internet subscription.

📝 How to cancel auto insurance?

If you subscribe to the auto insurance comparison process, it is very likely that you will find a better deal than the one you currently have. Before changing the contract, you must make request termination of his auto insurance.

There are 4 termination conditions to suspend your contract:

• April 1st and engagement, you can stop it at any time thanks to Hamon's Law.
• In case your current insurer is not there is no reference to the possibility of termination within the specified notice period (Chatel's law).
• In a situation where your contract expiration notice is sent in less than 15 days until the latter resumes.
• During changing situation : selling your car, stealing ...

In order for the termination to be taken into account, you must send registered letter with acknowledgment of receipt your insurer in at least 2 months before the deadline auto insurance contracts. Termination takes effect upon expiration of the contract in accordance with the Insurance Code (article L113-12).

Choosing auto insurance is an important step, it allows you to be well insured and at the best price. Passing the insurance comparator allows you to multiply your options and make the right decision with all the information at your fingertips.