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Are you planning to buy a new car? Before you start, carefully inspect automobile insurance contracts that you will subscribe. And if you already own a car, try to modify your current contract. For it is possible to make big savings by changing the formula or insurers.
Make use of competition
By regularly changing your contract to suit your situation and your vehicle, you can pay less or be better covered. To play competition – every two years – two solutions: via an internet insurance comparison sites or call a physical broker.
These specialists will offer the most suitable offers to your profile, classifying them by level of premium. However, be careful to not focus on price alone because the cheapest insurance is may not necessarily be the best. Always compare the price / quality ratio, that is to say, the guarantees offered for the price, including all additional costs of the essential options to subscribe.
Adapt your contract and your deductibles levels
To select the most suitable contract, first carefully examine your situation and your vehicle. There is no point, for example, to ensure an old car for all risks because it will cost too much for the proposed guarantees. Similarly, if you drive several hours a day your new vehicle, it is appropriate to take the most important coverage.
There are mainly three contract forms, which fit together in one another: Insurance “all risk” includes the options of “third extended”. Also note that all contracts are customizable, and allow you to add options, at an additional charge. Finally, note that in order to lower your rate, you can still play on the competition in the market. More the amount, the lower your insurance rates will be. However, this means that you will have to shell out more money in case of disaster.
Basic contract: third-party insurance
If you drive your car or just has a very low value to the Argus, third party insurance is often more than enough. It incorporates the minimum required by law, ie liability, which covers damage to your potential victims in case of accident (passengers, pedestrians and other drivers), and insurance defense remedy for any legal problem. To this solid foundation, it is imperative to add body driver warranty insurance (paying option in some formulas). Without it, you would not be covered against any damage to your person if you were driving and victim of a no-fault accident. Finally, choose a contract that pays a substantial death benefit if you die in an accident. Some insurances are limited to a few thousand euros, an amount largely insufficient. Prefer those that provide for a capital of at least 200,000 euros or 400,000 euros, if you have children of school age.
Contract more protective: third extended
This type of insurance is recommended for newer cars, or if you use your vehicle regularly to get to your work every day, for example. All formulas third extended integrate basic thirds formula, with the added bonus of helpful additional options: for example, the warranty failure and accident, which offers a breakdown service and repair in case of puncture, mechanical failure or breakdown of your vehicle following a collision. Note that depending on the options chosen, the cover can be variable. Some contracts only work provided that you are the victim of a disaster to 30 or 50 km from home. If you make short trips, so they are useless. Better to opt for a guarantee “0 km” which will pick you up in front of you. Other shades: the ice breaking option allows you to change a broken windshield, except that all insurers may not include the side and rear windows, mirrors and headlights and taillights. Finally, be aware that some third-party extended warranty packages include “theft”.
Contract All Risk: comprehensive cover
These contracts are preferable if you own a very new car, of high value or if you drive every day. Indeed, all risks insurance covers you against all risks and above all ensure your vehicle, even if you are declared responsible for the accident. Thus, they integrate third-party insurance, a guarantee failure and accident, but also theft and fire. In case of disaster, they almost always offer a replacement vehicle during the repair time of your car. The flight warranties differ by type of contract: some only protect against theft of your vehicle, others against robbery. In some cases, this may also provide a guarantee covering theft of personal belongings stolen from the vehicle or trunk. Finally, if you are the victim of a serious accident and your car is irrecoverable, it will be returned to its replacement value in the 6 or 24 months subscription contract. Again the differences are significant: the most protected contracts are considerably more expensive than those that provide for all risks with the minimum guarantees.
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