Choosing the right car insurance

Tips for finding the right car insurancemobile

Buying a new car or changing your car insurance is a crucial step for any driver. To help you navigate this often complex process, here are a few practical tips for finding the insurance package that suits you best before you sign a contract.

 Even before you start analysing the different insurance offers, It is essential to take stock of your personal situation and that of your vehicle. Insurance rates vary considerably depending on a number of factors:

Type of vehicle: Identify the model of your car, whether it's new or used, etc. Personal situation: Take into account your driving profile (young driver, driver with a penalty, etc.).

This 'portrait' exercise will give you a better understanding of the criteria that influence the cost of your insurance, so that you can adjust your expectations and your search accordingly.

Make a comparison with your old contract

If you already own a car and are thinking of changing insurers, start by making a list of the reasons why you are not happy with your current contract. This list could include aspects such as the level of cover, customer service, claims handling times, etc. By clearly identifying these elements, you'll be better prepared to choose a new insurance policy that really meets your specific needs and avoid the same pitfalls.

To get an accurate estimate of what your future car insurance could cost, it's essential to carry out simulations with insurers. When you do these simulations, you'll need to provide a range of information:

• Condition of vehicle: Indicate whether your vehicle is new or used.
• Driver role: Specify whether you are the main driver.
• Annual mileage: Estimate the number of kilometres you drive each year.
• Bonus/Malus: Communicate your driving history. The accuracy of this information is crucial to avoid being under- or over-insured.

Check deductible amounts

An attractive insurance price may conceal very high excesses. Deductibles represent the amount you have to pay out of pocket in the event of a claim before the insurance takes over. It is therefore essential to check these amounts. Excessively high deductibles can make what is supposed to be "low-cost" insurance very expensive in the event of an accident. To avoid this, it may be a good idea to choose insurance with more affordable excesses, even if this means paying a little more in premiums.