Choosing your car insurance is often the obstacle course. But choosing your car insurance comparator is not much simpler. Faced with the proliferation of sites offering this type of service, it is sometimes difficult to navigate. Which comparator to choose? What pitfalls to avoid? Here are a few tips.
Car insurance comparator: search on several sites
Today, nearly 5% of car insurance contracts are underwritten from a car insurance comparator. Practical, effective to save money, quick to find the perfect insurance for you, these portals are not without attraction … However, some of them sometimes show a lack of transparency by omitting [intentionally or not] some ads. That’s why it’s important to look for your car insurance on several comparison sites online to avoid unpleasant surprises. In this way, you will have a real panorama of existing offers.
Car insurance comparator: be vigilant about the guarantees offered
The car insurance comparators give you an overview of the offers available on the market. However, not all warranties are mandatory, such as broken glass or theft. That’s why you need to be particularly careful when you start your search first, but also when you choose a car insurance. Indeed, insurance at a price unbeatable could mean that it does not protect you as you wish. Before making a choice, pay particular attention to the amount of the deductible and the repayment terms. These two parameters can vary considerably the price of your insurance. Also Check: Car insurance quotes Spring Tx.
Car insurance comparator: points to watch as a rule
Whether through a car insurance comparator or not, when you choose insurance, you have to pay attention to many points. Limitation in your area of movement, possibility of having a replacement vehicle, protection against damage to the inside and outside of the car … additional services that can change everything. Finally, last but not least, prefer to sign your car insurance contract at the beginning of the month. Indeed, some insurers will charge you a full month even if you sign at 27 for example.
Young driver insurance: cost, first car insurance guarantees
In France, automobile insurance has been compulsory since 1958. Young driver or novice driver insurance covers the first three years after obtaining the permit. In fact, insurers remain cautious, and offer formulas that can be very expensive!
Young driver insurance: prohibitive prices
With contracts of up to € 2,500 a year, young drivers (less than three years of driving license) are not the best off. Insurers are still reluctant to offer them attractive formulas because, according to various statistics, 22% of fatal road accidents involve 18-25 year olds. Therefore, the premium is 100% for any young driver in the first year, 50% the 2nd and 25% the 3rd year, provided they have not already had a claim responsible. To reduce this surcharge (at 50, 25 and 0% in the 3rd year), the only solution is to follow accompanied driving , or early learning to driving, from 16 years. Insurers know that these more experienced drivers experience fewer accidents.
Some ways to lower the price of young driver insurance
To further reduce the price of the contract, opt for an old and not too powerful used vehicle (from 75 to 90 HP): an insurance against all risks will not be necessary then. And that makes the difference, since this insurance is the most expensive! Be satisfied with the minimum, namely the one-third formula; this formula must include the driver’s personal insurance, and a high compensation cap for serious claims (such as disability). In case of small claims, it is better not to declare it to the insurance to avoid that the premium remains. Instead, choose to repair the smallest damage yourself.
Attention to the franchise and the waiting period
While some insurers offer formulas for novice drivers, the deductible (the amount that the insured person pays in the event of a claim) is very high. One of the tricks to lower it is to opt for a contract with a limited number of kilometers, especially if the use of the vehicle is occasional. Also be sure to check the waiting period, or waiting period, period during which the warranty does not apply.