Some tips before insuring your used car.

Some tips before insuring your used car.

Subscription to a car insurance policy is mandatory if you drive a new or used car. In this regard, it should be noted that the term used car may designate a vehicle that has been in circulation for a few months as it may be a vehicle that has been driving for years. To buy a used car insurance contract, here's what you need to know.

Used car: which auto insurance contract should you choose?

The newer the car, the higher the value of the auto dimension. It is for this reason that it is recommended to take out an all-risk car insurance policy when driving a new vehicle or having driven less than two years. Between two and five years old, the motorist can opt for an intermediate insurance contract, although an all-risk contract is still advisable. For a vehicle over ten years old, the good idea would be to take out insurance with the third party. It should be noted, however, that this does not apply to vintage cars. Given their value, the good idea would be to take out a multi-risk insurance contract. Of course, you have to pay a higher premium if you opt for a multi-risk contract. If you are looking for an insurance agency in Le Havre, we recommend the MMA agency Le Havre Hôtel de Ville.

Used car insurance: the guarantees you can subscribe

Unless it is a car bequeathed by a close relative, you are not safe from hidden defects when driving a car that you have bought used. As garage costs may be high, it is recommended that you take certain optional guarantees in addition to liability insurance. For example, you can take out a mechanical guarantee that will allow you to get a refund of repair costs in case of failure. There is also the guarantee of assistance in case of breakdown. It must be known that there is a mileage deductible to reach for this guarantee to work. That being so, asking for these options implies that you have to pay a higher insurance premium. To find a car insurance with good value for money, it is recommended to make a comparison of auto insurance. In addition, ensure the regular maintenance of your vehicle.

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How to find the best car insurance

Finding the best car insurance is not necessarily subscribing to the cheapest. The notion of price is relative.

Insurance at a very low rate may not have the necessary guarantees for your profile. In the event of an accident or loss, the costs incurred not supported can be more expensive than expected! It is then necessary to target your needs to find the best insurance.

Choosing the best auto insurance, the three points to remember:

  The best car insurance is not always the cheapest, it is the one that best fits your needs.

  Your profile and the type of car you want to insure are key to finding the best auto insurance.

  It is essential to compare offers regularly to subscribe to a contract at the best value for money.

The best auto insurance: identify your needs for a contract to your image To find the best auto insurance, you need to know what guarantees and what levels of protection you need. To define your expectations, you must first analyze your overall automotive context.

Analyze your needs: the essential points to choose the best car insurance Your profile and that of your vehicle are essential to find the best suitable auto insurance policy.

The criteria that count:

Your conductive profile

The guarantees that you will subscribe will depend on your profile: each type of driver to his specificities.

Young drivers are considered "at risk" by insurers. Their premiums rise by up to 100% compared to a conventional contract. To find the best car insurance for young people, some tips:

- Make yourself a secondary driver, - Buy a used car, not very powerful preferably, - Increase the amount of your deductible

How is car price insurance determined

How is car price insurance determined

Calculating your car insurance premium Have you ever wondered why you do not pay the same car insurance premium as your neighbor or office colleague who has the same car as you?

Here are the criteria that influence your insurance premium.

Your age and your sex

If you belong to a segment of the population that makes more claims, this will be reflected in the cost of your insurance.

Your driving record and the use of your vehicle Your insurance premium may be lower if:

You have a driver's license for several years; You did not commit traffic offenses; You have not had an accident for which you were responsible or not; You travel a short distance with your vehicle; You do not use your vehicle for your work (for example, to visit customers). The place where you live You are more likely to have your car stolen in certain neighborhoods or regions. The premium is therefore higher or lower depending on where you live.

Your vehicle type

The premium will be higher or lower depending on your vehicle (the make, model, year of manufacture, value, engine power, the cost of replacement parts and even the number of doors).

The protections you want

Depending on the protections offered, the premium will be higher or lower. For example, if you are covered solely for civil liability, you will pay less for your insurance than if you are covered for civil liability and damage to your vehicle.

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The deductible is the amount that the insurer does not pay. For example, if you have a $ 500 deductible and your accident costs $ 2,000 in fees, the insurer only pays $ 1,500. The higher the deductible, the more economical your insurance premium will be.

Your credit report

Some insurers believe that a person with a good credit record is more likely to properly maintain their vehicle and drive safely. They grant a discount depending on the client's financial situation. The better your financial situation, the more important your discount will be.

Additional discounts

For example, your insurer may offer you a discount if: You take your car and home insurance with him; You insure two vehicles at the same time; Your car is equipped with an anti-theft system; You have lived in the same place for several years; Your vehicle is hybrid (it runs on electricity and gas); You use his website.