Insuring your vehicle is a mandatory act. However, the cost of this insurance is sometimes very high. The car insurance premium in this case represents a fairly large part of the monthly budget. The solution to avoid this situation is to take out cheaper car insurance. To find it, you need to act on criteria that generally lower the price of car insurance, use a comparator and make sure of the options included in your insurance contract.
The different criteria that lower the price of car insurance
Insurance companies set their car insurance rates freely. They have traditionally referred to specific statistics and criteria to define risk factor profiles. To find thecheaper car insuranceis essential Check the type of vehicle you want to cover before dwelling on other criteria.
The type of vehicle
The type or class of automobile is the first consideration by insurers when it comes to insurance prices. The more powerful the car and the more fuel it consumes, the higher the car insurance will be. In an effort to lower the cost of monthly insurance payments, it is therefore necessary ensure the fiscal horsepower (hp) of the vehicle, its consumption, its brand, model and its value. In this case it is advisable to opt for a mid-range car with a less powerful engine.
The geographical area
According to statistics on the number of accidents, driving in areas with low urban concentrations is less risky than driving in built-up areas. If you move often in a rural areayou can benefit from cheaper rates than if you were in an urban area.
The type of parking
A vehicle regularly parked on the street is more exposed to the risk of an accident than a vehicle in a closed garage. To lower the price of car insurance by a few tens of euros, opt for parking in a private garage closed or in a guarded collective car park.
The annual mileage
The driving habits of the car owner are part of the various parameters that make up the total cost of his insurance. Playing on driving habits, especially on the distance travelled, it is possible to lower the price of car insurance. In fact, if the car travels a few kilometers a day, the estimate of the annual mileage is not high. You can then pay a cheaper insurance premium.
In addition to these criteria, others may allow you to do this reduce your monthly car insurance payments a few euros. IS :
- the age of your driving licence,
- your age,
- the number of claims declared,
- your driver history.
As you will have understood, using all these criteria, you will be able to save money when taking out your car insurance contract.
The comparator to find cheap car insurance
The car insurance comparator is a tool available on several online platforms. It is practical to find the cheapest car insurance on the market and especially the one that suits your needs. This tool can help you compare auto insurance quotes of over 25 companies in a few clicks.
It is therefore a quick way to compete with the offers of several brands and try to lower the price of your car insurance by several tens of euros. According to a study by the Ipsos institute, using a car insurance comparator saves an average of 360 euros a year.
The use of these online comparators is also free and requires no commitment on your part. All you have to do is provide the tool with some information about your identity, driving history, car characteristics and driving habits. Then the comparator takes care of it do a car insurance simulation to offer you detailed offers adapted to your profile, your car and your needs.
These auto insurance offers or quotes are usually sorted in ascending order of rates. Other important details to read include:
- the insurance formula,
- guarantees,
- disclaimer of warranties,
- franchise,
- terms of compensation.
Obviously it is necessary consider the prices to find the cheapest auto insurance. Also pay attention to the details that can affect the total cost of the insurance.
The options for taking out and taking out car insurance
Some options offered in car insurance offers are mandatory while others are not. You must take care to put in the contract all the essential options according to the law such as liability guarantee.
On the other hand, you can remove optional options so that your car insurance is as cheap as possible. These include, for example, additional guarantees such as the “car contents” guarantee and the “storm” guarantee. Choose only the options that suit your situation, your habits and the desired level of coverage. You can go to a specialist to choose your options before signing the insurance contract.
