Does your car insurance premium increase every year? Insuring your car is a significant expense. Here are some simple tips to save money on your car insurance.
CHANGE INSURER REGULARLY
If it turns out to be profitable in many areas, being faithful to your insurer is often synonymous with an additional premium. Insurers attract new customers with tempting offers. Since the Hamon law, it is very easy to change insurance company, so don’t hesitate any longer.
COMPARE TO ADAPT YOUR CONTRACT
Compare allows you to obtain twenty personalized quotes in just a few clicks. You can thus challenge the offers between them and find the best quality / price ratio. Read carefully and above all select only the guarantees necessary for your real needs. Be careful, do not underestimate your needs, the bill (for leftovers) could become very heavy.
OPT FOR A LOW-VALUE CAR
The newer your car, the more powerful it is and the more it will cost you to insure. Insurance companies estimate the value of your vehicle which is the main factor in monthly payments. Choose a car over 5 years old to reduce your car insurance premiums.
REDUCE THE RISKS
Is your car often at rest? Find him an enclosed box for those times.
Does it have a powerful anti-theft system (geo location)? Notify your insurance company. Your insurer will know your property is safe and will thus reduce your contributions.
Are you the sole driver of your car? Inform your insurer. It will exclude from your guarantees, any steering wheel loan, which will be cheaper for you.
DO NOT REPORT ALL YOUR CLAIMS
Playing your insurance every time is not the best strategy and can even cost you dearly. Each disaster can cost you a loss of bonus …and lead you slowly to a bad profile. So take charge of your small claims directly, you will gain.
CHOOSE THE RIGHT INSURER
Want to save money? Choose a 100% online insurer. Since the structural costs are non-existent, they have the ability to insure you at a lower cost. If contact is essential for you, contact the organization that insures your home and ask them for a commercial gesture to also insure your car. Finally, if you drive little (- 8,000 km/year), opt for car insurance per kilo meter.
FOR YOUNG PEOPLE: HAVE THE RIGHT REFLEXES
For your license, prefer accompanied driving and report it to your insurer. Already have your license? It is not too late. Since January 1, 2019, there has been post-licence training allowing you to reduce your probationary period from 6 months to 1 year. Something to reassure your insurer. Are you a safe young driver? Stop paying for others. Install a connected box in your glove box, and prove to your insurer that you don’t have to pay a high price.
A last solution for the less needy: you have the possibility of paying your insurance on an annual basis (12 months at once), you will be entitled to a discount.