The frequency of road accidents exposes vehicles and their occupants to property damage and bodily injury which can be serious and sometimes even fatal. It is to face such risks that it is absolutely necessary to have a good auto insurance.
What are the criteria to consider?
It is important to carefully evaluate and compare the rates and formulas offered by auto insurance companies.
In concrete terms, care must be taken to consider the different levels of existing guarantees as well as the deductibles in the event of a claim. But, you have to be careful because a good price is often accompanied by a fairly large deductible.
To find the right auto insurance contract, it is possible to contact different interlocutors: the insurance agent, the bank adviser, the insurance broker or simply use an insurance comparator .
How to find auto insurance through an insurance comparator?
The insurance comparator will offer you two advantages: saving time and money. In less than 5 minutes and without moving from your sofa, you will have access to the offers of the various insurers.
If you are looking for an auto contract , you will be able to obtain the prices offered by insurers according to your profile. If you are already covered, you will be if you pay the right rate. It only takes a few clicks to get free quotes and subscribe if you want.
As a reminder, you will generally have the choice between three types of contracts. Civil liability which is the minimum compulsory guarantee included in all car contracts. It covers the repair of damage caused to the victim during a disaster.
Intermediate auto insurance is between civil liability (third party auto insurance) and comprehensive insurance. It will therefore include civil liability and guarantees such as theft, broken glass or even storms.
Comprehensive insurance is the most comprehensive contract. It offers a large number of guarantees such as damage and collision coverage and will indemnify most claims.
What are the average rates after an auto insurance comparison?
Depending on the package chosen, the prices will not be the same. To give you an idea, the average annual price of a car formula is:
- Third parties : 482.16 euros or 40.18 euros per month
- Third parties and broken glass: 463.38 euros or 38.62 euros
- Third parties, glass breakage and theft: 493.75 euros and 41.15 euros
- All risks: 583.69 euros or 48.64 euros.
Of course, these prices may differ depending on the profile of the motorist (age, bonus-malus, etc.)
What are the best auto insurance 2020?
To help you in your research, consider consulting the Opinion Assurances community ranking . Internet users are invited to submit an opinion on their auto insurance. Two criteria are evaluated: price level and satisfaction. Here are the averages obtained from the top 3 insurers:
- AcommeAssure (3.8)
- Macif (2.9)
- Matmut (2.9)
What about drivers who have been disqualified or terminated?
It happens that the driver has a chain of claims. Often, he will have some difficulty in finding good auto insurance because of his ” risk profile “. The same will apply if the motorist has been terminated.
He can then turn to specialized insurers . The premiums will therefore be higher than those of “classic” insurance contracts, but it is often the only way to be properly insured with such a profile.