What are the criteria for choosing car insurance? Our advice for making the right choice

 

Insuring a vehicle is mandatory, however there are different types of contract for different types of uses and vehicles. It is therefore not easy to choose the right car insurance. However, certain criteria can help you and prevent you from choosing a formula that is not suited to your needs. Find all of our advice in this article.

Choose car insurance according to your needs

If you want to take out car insurance online for your everyday car, a car that you rarely use or the car of your dreams, the most suitable contracts are not the same and you must therefore take the time to think about the best solution.

Uses of vehicles may vary, as may their value. The contracts are therefore different. Indeed, if you want to insure your everyday car which is in a resplendent state, you must choose an all-risk formula which makes it possible to protect your car well from collisions, theft or bad weather.

On the contrary, if your car is of little use to you and is no longer afraid of knocks and scratches, third-party insurance may be right for you. There is really no point in paying more for a vehicle where the value is low.

For sports or collector's vehicles, there are specialized insurers able to offer you better conditions for your beloved cars and at prices that are often more reasonable than general insurers.

Sometimes the driver's profile can affect the chosen insurance contract. Young drivers often have additional insurance premiums that make the monthly payments far too high. Considered novice, inexperienced and unfairly unreasonable, insurance companies do not hesitate to raise prices horribly for these drivers who have no choice but to pay the price once. The solution may be to insure your car to a third party or extended third party but taking the risk of not being reimbursed in the event of a responsible accident.

Damaged or injured drivers are in the same embarrassment and insurers charge prices that are too high for all-risk insurance. It is therefore necessary to accept by constraint contracts with weaker guarantees the time to find the bonus.

Finally, small riders can choose to opt for insurance contracts with reduced mileage to save money.

What are the criteria for choosing the right car insurance?

The guarantees offered

Although the names are identical, a third party, an extended third party or an all risk are not always the same according to the insurance companies. Indeed, the guarantees may differ, for example the maximum amount of glass breakage may vary according to the insurance or certain exceptional clauses such as attacks or bad weather may be excluded. It is therefore necessary to compare the guarantees offered in the contracts and to compete in order to find the best guarantees at the best price.

The amount of the deductible

For the franchise, differences may be noted. Indeed, some contracts may seem more affordable due to a higher deductible. It is therefore necessary to pay attention to offers that are too attractive compared to the competition. However, increasing your deductible in the event of a claim can be a way to reduce your monthly payments.

The compensation limit

To be the most accessible on the market, some insurance companies do not hesitate to lower the compensation ceilings. We therefore advise you to be wary and from there also compare which insurance company will best reimburse you in the event of a glitch in a similar price.

The radius of assistance

Some insurance contracts do not include 0 km assistance. Indeed, sometimes to obtain assistance the victim must be more than 50 or 100 km from his home. There is enough to be in difficulty if this radius around your home is not reached during a breakdown.