What is a car insurance simulation for?
An auto insurance simulation is an estimate of several insurance offers. This simulation includes several car insurance quotes, each of which includes:
The car insurance simulation makes it possible to find an offer adapted to the driver profile.
Thanks to our online comparator, by carrying out this simulation, a motorist has a better chance of finding a car insurance that corresponds to his own needs and financial situation. In addition, the use of car insurance simulation is particularly interesting in the following cases.
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The auto insurance premium amount depends a lot on the formula and car warranties. By doing a car insurance simulation, a motorist can do this estimate the price of several quotes in order to select inexpensive auto insurance that provides the correct level of coverage.
The first car insurance subscription
Young drivers often pay a high price. Indeed, this profile is considered at risk by car insurers. The contract begins with a bonus-malus coefficient equal to 1.00 halving each year for three years. Indeed, the car insurance simulation is more than interesting to find insurance at a reasonable price.
Are considered young drivers:
👉 People who have had a driving license for less than 3 years;
👉 Drivers insuring a vehicle for the first time;
👉 Motorists who resume their license after a suspension or revocation of their license.
change in personal circumstances
Our personal situations are constantly changing throughout our lives. A move, a birth or a death are all reasons for an insured person to do so review your auto insurance needs and budget.
The simulation looks like the solution to change your contracthis car guarantees and then subscribe to an offer in line with his change of situation.
You can change your car insurance 1 year after the anniversary date of your contract. Also, it’s a very simple process, Contrary to popular belief. Your new insurer takes care of all stages of terminating the car contract.
How does the car insurance simulation work?
Car insurance simulation is finally here fill out an online form ! It is therefore a lot simple.
To do this, all you have to do is answer several questions about yours profilethe vehicle and its parking area. These criteria allow our comparator to indicate the contracts that are most likely to interest you. This information also corresponds to the pricing criteria used by insurers to assess the amount of contributions.
The information needed for the car insurance simulation
The requested information is as follows:
- Driver : age, gender, profession, contact details;
- Driving license : date obtained and if it was gotten into accompanied guide ;
- Vehicle characteristics : the brandthe value and the date ofvehicle purchasethe powerthe engine (petrol or diesel, hybrid, electric…);
- Driving history of the subscriber : all motor vehicles e crimes as well as the bonus-malus coefficient ;
- Vehicle use : the annual mileageThey itineraries done (work, only private, etc.), the mode of parking area and the vehicle loan.
The documents needed to carry out a simulation
The documents required for a car insurance simulation are:
The insured can ask to receive his free of charge information report with your insurance. You will receive it within 15 days.
How to compare offers after car insurance simulation?
Once the form has been completed in its entirety, you will be directed to results page. This features theset of contracts corresponding to the policyholder’s profile among the insurers present on the LeLynx.fr panel. You must only select the car policy best suited to your needs!
The comparison page presents the rates, car formulas and guarantees (theft, assistance in the event of an accident, etc.) for each offer in a simple way to help the policyholder find the best car insurance offer. This allows you to have an overview of market prices and choose an offer without having to go into the details of the general conditions of a car insurance contract.
When making the comparison, we advise you to pay attention to two aspects that directly affect the amount of the premium: the level of coverage and the deductible.
Check coverage levels
Insurance companies offer 3 main categories of car insurance to benefit from an optimal level of coverage and effective compensation:
If you have some powerful or expensive vehicleswe can only strongly advise you to opt for the coverage that is right for you. will protect as much as possible against possible material damage during accidents, if necessary. If you have problems, you must be able to use a assistance commensurate with the price of your car.
Beware of deductibles
Another price element that an auto insurance simulation can predict: the Quantity car franchise! The deductible corresponds to the amount owed by the insured in the event of an accident (accident, breakdown, fire, etc.) subject to compensation from the insurer.
In general, it will result in a low deductible a high insurance premium and, conversely, a high deductible will cost less in terms of contributions. It is therefore important compare deductibles to correctly calculate your car insurance.
A car insurance simulation allows you to get a whole series of tailor-made quotes!
You are under no obligation to take out car insurance after using our online comparator! Our tool is free and without obligation.
What is the average cost of car insurance?
As you will have understood, not all contracts and formulas are the same. It’s about thinking carefully about yours needs it’s at any contingencies that you can deal with. Below you will find the average monthly and annual prices depending on the coverage chosen:
| Categories | Average annual price | Evolution compared to 2020 |
|---|---|---|
| Third party formula | €527 | – 0.38% |
| Formula all risk | €733 | +2.46% |
| TOTAL | €641 | – 1.38% |
Methodology :Results obtained on a sample of 705,308 car insurance premiums clicked on by LeLynx.fr users in the period from 01/01/2021 to 10/31/2021.
Be careful, when it comes to a bad driver, the price of car insurance is more expensive. In 2021, this type of driver had to pay more €1000/year !
Car insurance according to the make of the vehicle
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In summary, to find a contract at the lowest price, it is important to do so use a simulator. It will be useful to you compare the formulas and subscribe to the option that best suits your vehicles in terms of guarantees and budget.
Be careful not to sign a contract with a low level of guarantee. Of our time, the formula of the third is no longer enoughyou must be protected from all kinds of harm. The experts of LeLynx.fr I’m by your side to advise you and support you in your choice.
Frequently Asked Questions (FAQ)
When you run a simulation on LeLynx.fr, you are presented with different offers adapted to your profile. Consider both the best price and the best coverage in the event of an accident. The one that meets these two required criteria will likely be the best for you.
Generally, the cheapest auto insurance will be the one that offers the lowest level of coverage and guarantees, namely liability insurance. Obviously this amount will differ from one motorist to another as the amount of a premium also depends on the history of the driver.
Lois is the author of this page. To find out more about our editorial team, Click here.
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