Insuring a car is apparently simple. But there are, however, some pitfalls to avoid to avoid getting plucked.
Whether you’ve just bought a new car or just want change insurance for a variety of reasons, this step is seldom a piece of cake. If the procedures are now facilitated by the possibility of doing everything online, from the quote to the subscription, it is however not always easy to navigate, and especially not to be plucked. Because in wanting to go too fast in the work, whether you are an assumed administrative phobic or simply want to speed up procedures, you sometimes risk making a mistake. So to avoid paying too much or being poorly covered in the event of a claim, discover the list of the three main mistakes to avoid when choosing auto insurance.
Do not play the competition
Sometimes, we think we have found the perfect insurance, or we are simply lazy to look further, especially if the amount and the guarantees suit us. However, you should absolutely not hesitate to play the competition and compare other offers, in order to benefit from the best price, for sometimes higher guarantees. Because depending on your profile, prices can go from single to double, and it therefore costs nothing to request several quotes in several companies.
Forget about deductibles
This is an aspect that many neglect, especially since insurance companies obviously don’t communicate much about it. And yet, it is very important to take a look at the deductibles, which can then vary from simple to quadruple depending on the contracts. So don’t always be tempted by an annual or monthly premium, which is very attractive, because it can sometimes hide franchises exorbitant. Before taking out insurance, first ask yourself how much you are willing to pay for any repairs, which will help you in your choice.
Neglecting certain guarantees
That’s it, you have just found the ideal insurance for your car, congratulations! It now remains to choose the guarantees, in order to be as well covered as possible in the event of an accident or theft. And there the puzzle begins. Because if the public liability and third party is mandatory, it should also not forget the theft and fire protection, which is usually not included but is highly recommended. Many also neglect the driver’s personal guarantee, which many motorists consider to be of little use and which can nevertheless greatly help you in the event of an accident causing disabling injuries. Finally, if you subscribe to the assistance guarantee, also remember to check the minimum mileage to be covered for it to be insured. You can ask your insurer if thezero kilometer assistance is offered, and at what price.
Also read on Auto-Moto.com:
Primary or secondary driver: what rules for insurance?
Third Party Auto Insurance: A Good Or Bad Idea?
Speed cameras now ticket drivers without insurance