Five tips for choosing the best car insurance

1  Est.ablish your driver profile

To choose the right car insurance , consider defining your driver profile. Insurers take several parameters into account when analyzing your situation, including:

Age: If you are a young driver, some companies may apply a surcharge or even refuse to cover you. Good to know: if you passed your test with a supervised driver, this may work in your favor and reduce this increase;

Driving history: Claims or offenses for which you are responsible may impact the amount of your contributions;

The type of vehicle: the age, make, value and taxable horsepower of your vehicle are factors that should not be overlooked when choosing your car insurance;

2 . Choose your level of guarantees

Third-party insurance: This is the minimum legal coverage. It includes liability insurance. If you are deemed responsible for an accident, it will compensate for the damage. However, it will not cover repairs to your vehicle. It is inexpensive and is taken out for low-value cars.

Extended third-party insurance: this intermediate formula includes additional guarantees, including glass breakage, fire, theft, and natural disasters. It offers more comprehensive protection than third-party insurance, while remaining more economical than a comprehensive formula;

Comprehensive insurance: This is the complete package. It covers not only damage caused to a third party, but also damage to your vehicle, regardless of your liability. Its price is higher: it is particularly recommended for newer cars.

3 . Use a car insurance comparison tool

A car insurance comparison tool is an online tool that allows you to evaluate the offers available on the market. It works simply: first, you’ll need to provide your information, your vehicle’s details, and your needs. For example, your bonus-malus coefficient, the presence of secondary drivers, your car’s age and parking location, etc. The platform will search and display the results that best suit your situation. You’ll be able to see the coverages and rates offered by different insurance companies.

It’s then up to you to compare the available plans. Using a calculator can save you time. To learn more, don’t hesitate to request more detailed quotes and read the general terms and conditions of the contracts, which address warranty exclusions.

4 . Study the optional guarantees

Replacement vehicle: in the event of an accident, breakdown or theft, the insurer will provide you with a loan vehicle for a period determined by your contract;

Legal protection: if you are faced with a dispute, you can claim legal support and coverage of legal costs incurred.

5 . Find out about the quality of car insurance customer service

When contacting your car insurance company to report a claim, it’s important to be able to count on a responsive advisor. The goal is to avoid additional stress. Don’t overlook this criterion during your search. There are several avenues to explore to test the reliability of agencies: