Auto insurance quotes is an important part of the family car budget. To benefit from the cheapest insurance, it is important to consult all the offers available on the market.
The various car insurance can have significant price differences. But you also have to take out guarantees that are consistent with the condition of the insured vehicle.
Cheap car insurance according to the guarantees
This may seem obvious, but auto insurance quotes costs less when it has fewer guarantees. The only compulsory insurance coverage is the civil liability. This warranty covers only damage to property or property caused to a third party (hence its name of third party auto insurance quotes). Damage to the insured’s vehicle, theft, breakage and the like are not included. It is then necessary to determine the value of the insured vehicle. Its argus rating lets you know if theft insurance is really advantageous and if the refund will be interesting with regard to the contribution. Companies tacitly renew each year the vehicle’s auto insurance. But this one is getting older. It is up to the insured to check each year if he has no interest in lowering the level of guarantees he receives.
Compare all insurers
In the world of auto insurance quotes, there are historical companies, the heavyweights of the market, which generally inspire confidence. However, the amount of insurance contributions for the same coverage’s may vary from one to two, especially with offers offered exclusively on the Internet. The disadvantage is that you will never have the opportunity to meet a counselor in person. It is good to compare (comparators of insurance: which one to choose?), and to consult the opinions of the customers, without taking everything for cash.
Negotiate with his insurer
Depending on the case, an insurer may have some leeway on its auto contracts. It is up to the insured to assert the low risks engendered by the use of the vehicle. Limited travel, secure parking space, and especially driver bonus, are all arguments to pay less for his car insurance.
Less expensive car insurance for young drivers
Young drivers are the pet peeve of auto insurance quotes. Without bonuses and without experience, they pay their annual subscription at a high price. However, a young driver who has proven himself in accompanied driving will be in a better position to negotiate a good rate for his young driver insurance.
Terminating your car insurance: the conditions
The Hamon law, which came into force on January 1, 2015, radically reformed the rules on cancellation of auto insurance. Termination of auto insurance is now simplified.
What has changed the Hamon law on the termination of car insurance?
Prior to the Hamon law, insureds could only cancel their car insurance at the end of their term and with a variable notice period depending on the insurer, generally two months. Failure to terminate within these time limits, the auto insurance quotes contract was renewed automatically. Since 1 January 2015 and the entry into force of the Hamon law, the insured can terminate their car insurance contract at any time after the first term of the contract (one year) without having to give reasons or to respect deadlines. in terms of maturity when the insured person:
Signs a new car insurance contract;
Renews a contract signed before January 1, 2015.
From now on, the new insurer can take care, in the place of the insured, the formalities of termination of the old car insurance contract. The termination of this old contract takes effect one month after the cancellation date sent by the new insurer.
Terminate your car insurance contract at the end of the contract: what conditions?
If you do not fit in the above scenario (signing a new car insurance contract or renewing a contract signed before January 1, 2015), here is the procedure to follow. A car insurance policy is renewed automatically when the insured person has not asked for the cancellation of the policy. To terminate a car insurance contract at the end of its term, the insured must:
Send a registered letter to the insurer requesting the cancellation;
Two months before the due date.
The insurance companies have the obligation to remind the insured, at least fifteen days before the beginning of the two months’ notice possible, and its ability to request the termination of the car insurance contract. If this recall has not been made, the insured may request termination of the contract at any time.
Immediate cancellation of car insurance: which exceptions?
In certain situations, you can cancel your car insurance policy at any time, such as:
If the vehicle is sold, donated or assigned. The notice of termination is ten days;
The price of car insurance is increased;
In the event of a change of circumstances that constitutes an aggravation of the risk covered. The insurer then offers an amendment to the auto insurance policy. If the insured does not accept this endorsement, the contract is terminated.