What discounts can I get on my car insurance?
Picture: Illustration discounts car insurance |
What discounts can I get on my car insurance? Paying less for your car insurance is what we all dream of: high coverage for the lowest possible amount.
Unfortunately, it is difficult to find the insurance that
would meet our expectations and sometimes we have to make certain concessions
on the covers to avoid paying too much for our premiums. But this is not
counting the discounts that companies can grant based on certain criteria.
In this article, we take a look at the discounts that can be
obtained, and thus save on your car insurance premium.
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What discounts can I take advantage of with my car insurance?
Taking advantage of a discount on your car insurance is
always nice: we keep the same covers with a lower premium than expected? But
then, what discounts can we claim to lower the cost of car insurance?
There are many discounts: most of them are offered by the
companies themselves who want to stand out from their competitors in this way.
It is therefore particularly difficult to list them all, so
we will offer you a non-exhaustive list that you will certainly need to
complete with your insurance advisor.
Discount for eco-friendly car
Electric cars are now part of our daily lives: all
manufacturers are getting into it, jealous of the success of Tesla and its
various models. The Model 3 of the American manufacturer is also the favorite
car of the Swiss, becoming the best-selling model in 2021 in our country.
Owning this kind of vehicle and keeping it for a long time
is undeniably a gesture for the planet and ecology. Insurance companies
therefore offer eco-discounts and special premiums for owners of these
vehicles, allowing them to pay less for their car insurance.
Pass driving lessons
The fact of taking driving lessons regularly would make it
possible not to develop bad habits and to react better in case of a surprise on
the road.
For example, mountain driving courses make it possible to
better address the risks associated with these geographical areas (snow, ice,
etc.), but also speed management or emergency braking courses.
By being prepared for these situations, the driver could
better anticipate them and thus avoid accidents. To reward you, the insurance
company would make you pay less for your car insurance.
Install an anti-theft device in your vehicle
By agreeing to add an anti-theft device to your car, your
insurance premium should drop significantly.
Indeed, the risk of theft is lower if you take advantage of
this equipment, so the insurance company offers interesting discounts for
policyholders who choose this system.
Make multiinsurance work
If you have your household insurance contract with a company,
it would be in your best interest to take your car insurance from them.
Indeed, in order to retain their customers, companies do not
hesitate to offer discounts depending on the number of contracts held with
them. The more you have, the lower your premiums will be!
So here are some discounts that can be obtained easily
depending on your situation. There are others: to know them, do not hesitate to
contact us to be able to apply them.
Is the total essential?
This is a question we are often asked: "Since the full
is more expensive, do I really have to subscribe to it? ».
Unfortunately, there is no ready-made answer to this
question, everything will depend on your situation.
If you have purchased a leased vehicle, you will have no
choice but to insure yourself in case of total loss. This is one of the
disadvantages of leasing: the lender requires you to take out comprehensive car
insurance.
Since the car is new, this can be understood and thus allow
your leasing organization to be reimbursed in the event of a major loss.
If your vehicle is less than 5 years old, we can only advise
you to insure yourself in full. Beyond the higher premium, it is better to
insure a near-new car with significant coverages.
It seems to us that it makes little sense to insure a new
vehicle in simple RC, unless you can afford to pay the costs in the event of a
claim!
If, on the other hand, your vehicle is more than 5 years
old, you can skip the total. But is it really a good decision? We advise you to
inquire carefully before making this decision: do not hesitate to contact our
advisors who will be able to answer you and offer you the best options
available to you.
How to pay for car insurance cheaper without discounts?
If you benefit from one or more discounts on your car insurance,
you have the opportunity to lower your premium even further.
Indeed, when you take out car insurance, pay special
attention to the options in the contract: these can sometimes be unnecessary or
duplicate the coverages of other contracts.
For example, if you have opted for all-risk coverage for
your household insurance (which most certainly includes items taken away), it
will not be useful to subscribe to this same option in your car insurance.
It is therefore necessary to check that your various contracts
do not have duplicate covers, which could significantly increase the bill.
In addition, some car insurance options are not mandatory:
passenger insurance is of limited interest for a person transporting people
living in Switzerland.
Indeed, accident insurance has similar coverages and would
certainly duplicate. On the other hand, if you are transporting foreign people,
do not skip this option!
The "Parking Damage" option is not necessarily
useful if your car is parked in a closed garage, either at home or at your
workplace. To see if it is really essential for you and if it is not, lower
your car insurance premium by removing it from your contract.
Finally, if you have several vehicles, it is possible to have only one set of license plates for both: this is called interchangeable plates.
Instead of having two separate insurances, you will only
have one for both vehicles. The only constraint: the cars will not be able to
drive at the same time, you will have to choose between one or the other.
As you can see, it is possible to make interesting savings
on your car insurance contract without discounts: just study your insurance
contracts carefully and make sure that you are not double insured.
If you would like a free analysis of your contracts, our
consultants are at your disposal. Do not hesitate to contact them!