What should be taken into consideration when choosing car insurance?

The choice of the insurance contract is not always obvious, especially for young drivers, since the options are numerous and various selection criteria. To make sure to make the right choice, several elements must be taken into consideration to find coverage adapted to its needs. We talk to you about these elementary criteria to consider in our article.

The type of coverage is one of the most important aspects to consider when choosing car insurance. Three main options are generally available for drivers, i.e. third party insurance, intermediate insurance (or third large parts) and insurance for all risk.

Insurance third It is the simplest and most mandatory formula in France. It only covers the responsibilityThat is to say the damage caused to third parties, both people and goods. This option is suitable for old or cheap vehicles, because it does not cover the damage suffered by the insured vehicle.

Insurance intermediateOn the other hand, it offers a higher level of protection, as it often includes further guarantees such as Flight coveragethefire or the mirror. It is more expensive than third -party insurance, but it remains a good compromise for those who want a minimum of protection without paying for complete coverage.

Insurance All risks It is the most complete formula, covering damage, even when the insured is responsible for the accident. It is particularly suitable for recent or valuable vehicles, as it protects from almost all types of statements.

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The franchise represents the sums who remains the responsibility of the insured in the event of a disaster. Plays an important role in the amount of the insurance premium. As a rule, plus the franchise East highmore First Insurance is Low. Note that too high a franchise can be problematic if an accident occurs, because the insured will have to pay a large sum of the pocket. It is therefore necessary to find a balance between a reasonable deductible and a competitive insurance premium.

Franchising can Vary from one insurer to anotheras well as according to types of statements. Some insurers offer modular deductibles, allowing you to choose different amounts depending on the types of damage. For example, it is possible to apply a lower franchise for a responsible accident, while a higher franchise will be required for damage to materials. The free franchising option, although more expensive, can also be taken into consideration if you do not prefer not to pay an additional amount in the event of a disaster.

Depending on the profile of the driver and its vehicle, it is possible to provide different additional guarantees. These options allow it Customize insurance so that he meets the specific needs of each insured. For example, the Personal guarantee of the driver It is essential for those who wish to be covered for their wounds in the event of an accident, even when they are responsible. This guarantee allows you to cover medical costs, compensation in case of disability and sometimes even loss of income.

Other guarantees, such as the‘Assistance 0 kmCover the resolution of the vehicle problems, even near the house, which can be very practical for those who move frequently. You can also opt for a guarantee Replacement vehiclewhich allows you to have a car on loan in case of disaster.

The drivers who circulate a lot can also add a guarantee mechanical failurewhich will cover the repair costs in case of mechanical failure of their vehicle. Keep in mind that each additional guarantee increases the cost of the prize, so opt only for the necessary!

The price of car insurance is a decisive factor in the choice of insurance, but should not be considered in isolation. Different criteria influence the price of the prize, such as the‘age of the driver, his experiencethe frequency of tripsTHE Vehicle typeor the geographical area of residence.

For example, the Young pilotsconsidered more at risk by insurers, they are often applied Higher prices. A luxury or powerful vehicle, on the other hand, will lead to a higher bonus, because the repair and replacement costs will be greater.

Make sure you have understood everything on what influences the insurance rate to choose a formula adapted to your profile and your needs. Compare offers Insurance can be useful to identify the most advantageous options, but it is also necessary to ensure that the price is not the only consideration. An interesting rate should not be done at the expense of the quality of the coverage, since a contract signed only because of its low prices may not provide sufficient protection in the event of a disaster. Thinks Promote the balance between price and coveragetaking into account the guarantees and services included.

The reputation of the insurer e Quality of customer service They are finally essential elements not to be overlooked. The experience in the event of a disaster depends largely onefficiency AND reactivity insurer. We advise you to check the reputation of the insurance company, consulting Customer Reviews or investigating its history in terms of management of compensation requests. A good insurer must be easily accessible, offer clear and rapid assistance and be transparent in the management of the allowances.

Customer service is not only limited to the management of complaints, but also includes theaccompanying In the choice of guarantees and formulas. An insurance company that offers efficient online tools to follow the evolution of the contract or declare a complaint simplifies the passages for the insured. Check the feedback of other insured people allows you to have a precise idea of ​​the quality of the service and to avoid unpleasant surprises at the time of a complaint.

As you can see, the choice of car insurance depends on several essential criteria that must be carefully evaluated.