The best car insurance is one that suits your needs as a driver while respecting your budget. By putting together your customized car insurance policy, you get the ideal coverage and you can hit the road with complete peace of mind.
How to choose your car insurance?
To choose the most suitable car insurance, you need to take several criteria into account and ask yourself the right questions. What type of vehicle should I insure? How do you use it daily? Are you a young driver? Do you drive as a family? Over what distances? All these questions will help you find the most suitable contract at the best price. Then take into consideration the coverages included or not, the amount of the deductible, the options that can be added or removed.
How does car insurance work?
In return for the payment of a premium on a monthly, half-yearly, or annual basis, the insured benefits from compensation by the insurer in the event of an auto claim according to the guarantees and options subscribed to.
Several elements make up your insurance
The equation: these are the degrees of inclusion advertised. Legally, the mandatory minimum coverage includes civil liability. This coverage corresponds to the Third Party formula.
The guarantees: a range of guarantees are available for each formula (for example glass breakage, fire, and explosion, theft, all accidents…) but it is possible to add more according to your needs.
The options: they allow you to personalize your insurance to be better protected. For example, the 0 Km (2) breakdown assistance option allows you to be taken care of if your vehicle breaks down while you are away from home.
The deductible: This is the sum that remaining parts to your detriment after a case. It is therefore not reimbursed by the insurer.
The contribution or premium paid by the insured varies according to :
his or her driving history,
the value of the vehicle and its real power,
the age of the car,
the frequency of car use and the mileage traveled,
the geographical area where the vehicle is operating,
the new or used nature of the vehicle,
the sort of equation (outsider, all dangers, and so on),
the guarantees and options subscribed.