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Compare car insurance rates online
Everything is fine car insurance company offers its own options. Thus, one can come across contracts that are not the same, but which are offered at the same price. They may even contain the same options and are offered at different prices. It is therefore necessary to compare the prices charged by different car insurers. Rate comparison helps you shop around and evaluate offers that cover the same coverage and suit your needs. You will be able to easily locate the least expensive contracts with equivalent guarantees.
To make this comparison, you can go through an online insurance comparator. This tool establishes a price comparison for you based on your driver profile. It allows you to quickly get a quote for your car insurance online and choose the most advantageous offer for you. This document contains all the information that can help you make an informed choice. It informs you about the annual premium rate, the insurance formula selected, the amount of the deductibles, as well as the additional options chosen with their cost.
The online car insurance comparator offers you the possibility to access a wide range of offers and gain in efficiency. Using this tool also saves you time because you don’t have to travel or call multiple insurance companies before reviewing their formula.
Bundle your auto insurance with other policies
Illustrative photoPhoto credit – DR
For pay less for car insurance, it is advisable to combine the different contracts. This action consists of combining several insurance policies in the same contract. This helps you get great rates. Instead of stipulating multiple insurance policies with different companies, you can thus choose a single interlocutor for all your products and obtain considerable savings.
The policies most often combined are auto and home insurance. However, you have the option of combining your car insurance with other contracts such as motorcycle and health insurance. If you have multiple drivers in the household, you can insure all your vehicles with the same insurer. Keep in mind that the more you pack your insurance, the more you’ll save. In addition to saving you money, bundling your insurance contracts gives you the opportunity to save time and deal with the same insurance company.
Discover the discounts granted for your insurance
Insurance companies can offer you significant discounts under certain conditions. Some insurers discount the amount of your insurance premiums when you choose more of their products or when you insure multiple vehicles with them. Other insurance companies apply the same principle of fidelity making reductions in contributions over time.
Some insurance providers offer discounts during the first year of the contract. You can take advantage of this discount for many years by systematically terminating your contract after 1 year. It is therefore important to know the discounts offered by insurers.
Park in a safe, well-lit area
For get cheaper insuranceyou must adopt a safe driving style. Parking is an often overlooked factor, but one that can have a big impact on the amount of your car insurance. It allows the insurer to calculate the loss ratio and judge the level of risk presented by the chosen parking location. For example, according to the Ministry of the Interior, no fewer than 122,700 cars and two-wheelers were stolen in France in 2021.
The question is also asked when taking out a car insurance contract. Parking lots are often rated safest to least safe by insurance companies. The classification made by the insurers is as follows:
- the single box,
- the individual permit,
- the collective garage,
- the private fenced garden,
- covered collective parking,
- the collective uncovered parking,
- the public way (road).
Parking your vehicle on the street is therefore more risky and will therefore be very expensive. At the time of take out an auto insurance policy, then choose to park your vehicle in a safe and well-lit place. You will pay less for your insurance and will be better protected against the risk of car damage and theft.
to summarise
In France, car insurance is mandatory when you own a vehicle. However, car insurance can be quite expensive, especially for young drivers, and the price increases by an average of 2% every year. Luckily, there are ways to bring this price down. We give you tips on how to find cheaper car insurance.
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