Car insurance quotes: free online simulation
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What is a car insurance quote?
A car insurance quote is an insurance proposal, the price and conditions of which depend on the information you provide (vehicle to be insured, guarantees taken out, etc.).
It is important to carry out a car insurance simulation before taking out a contract in order to be able to compare the different offers and select suitable guarantees.
By making an online car insurance quote, you can compare different formulas in just a few clicks. Simply indicate your personal information and your insurance needs in order to find the offer adapted to your project and with the best guarantee / price ratio.
The car quote is free, provided for information purposes and does not commit you. To make it effective on the date of your choice, it is then sufficient to make the subscription online or with an advisor.
Read Also: Why You Need Renters Insurance
Why make car insurance quotes?
Making a car insurance quote is a preliminary step to signing a contract. There are many reasons why you may want to compare several car insurance quotes:
- To know the different insurance formulas: when taking out a car insurance contract, you usually have the choice between three formulas which are "third party", intermediate and "all risks".
When you request a car insurance quote, you will be able to compare these three formulas to find the one that best suits your needs;
- To choose the guarantees you need: whatever the formula you choose, the guarantees are likely to vary from one contract to another.
In addition to the mandatory civil liability, you can also opt for an ice breakage, theft, fire, collision guarantee or even choose options such as 0 km breakdown assistance.
The car insurance simulation thus allows you to compare the guarantees and select only the ones you need and determine whether you prefer car insurance with a deductible or not;
- To find a contract adapted to your budget: the price of car insurance depends on many criteria (guarantees, vehicle, profile of the insured, etc.). The realization of a car insurance quote is therefore essential to find the offer that corresponds to your budget.
Do not hesitate to use the Macif simulator to compare our different car insurance formulas.
Make an online car insurance quote with Macif
At Macif, comparing our car insurance quotes has never been easier. Thanks to our car insurance simulation tool, you can receive different commercial proposals in just a few minutes! The ideal way to quickly find the online car insurance quote that suits your daily needs.
Car insurance quotes: the car to insure
The first step to making your car insurance quote is to indicate the characteristics of your vehicle. For this, you have two solutions :
- indicate, in the box provided for this purpose, the "commercial" description of your vehicle: make, model, engine type and year;
- or let yourself be guided by our car insurance simulation tool that allows you to select the characteristics of your vehicle one after the other (make, year of entry into service, model, engine type, version, etc.).
To calculate your car insurance, you must also provide other information about your vehicle:
- the method of financing (cash purchase, credit, LOA, etc.);
- daily use (private, professional, etc.);
- the usual parking place.
Car insurance simulation: the identity of the driver
In order for the insurance quote to be adapted to your driver profile, it is important to fill in all the information related to your situation. Thus, the price of the online car quote can be calculated as accurately as possible. For this you need to tell the car insurance simulator:
- your identity (last name, first name and date of birth);
- the date and method of obtaining the driver's license (free candidate, accompanied driving, etc.) ;
- your driving history (cancellation or suspension of license) and car insurance (termination or not by another insurer).
It is important to fill in the right information in order to benefit from a suitable commercial proposal. For example, a car insurance quote for a young driver will not offer the same price as for a confirmed motorist.
Online car quote: the contact details of the future insured
If you have not yet created your personal space, you will also need to provide your contact details. At the end of this step, Macif will offer you one or more online quotes that correspond to the information you have previously provided. It is also advisable to create your personal space, for two reasons :
- you can more easily compare the online car insurance quotes offered by Macif ;
- you have time for reflection because your quotes are kept there.
Online car quote: the price of car insurance
Once all these steps have been completed, your car insurance quotes are saved in your personal space. To access it, simply click on "Access your spaces" at the top right, then "Insurance area" and finally "Quote".
With a simple glance, you can then compare the different Macif car insurance quotes and choose the formula adapted to your budget and the desired level of coverage.
Car insurance simulation: how does it work?
The profile of the insured, the nature and use of the vehicle and the guarantees taken out: all these elements are essential to make a car insurance quote and which make it possible to calculate the price of your contract.
Car insurance quotes: the importance of the insured's profile
The price of car insurance depends mainly on the profile of the insured. However, the criteria taken into account for the car insurance quote vary from one insurer to another. The latter may in particular be based on :
- your age ;
- your family situation ;
- your professional situation ;
- your place of residence ;
- the nature of your permit (A, B, etc.) and the date it was obtained.
The price of car insurance will also take into account the driver's history.
When taking out your car insurance, you will thus have to provide an information statement that indicates your bonus/malus coefficient and your history over the last 5 years (number and nature of claims, liability for accidents, etc.).
To obtain your information statement, you must request it from your insurer. Depending on the services it offers, this process can be carried out by phone, in an agency or via your personal space.
It is all of these elements that will allow your insurer to calculate your car insurance, in particular by determining your level of risk.
If some profiles will be subject to advantageous pricing conditions, others considered more risky often have to pay a surcharge on the amount of the contribution. This is particularly the case :
- young drivers ;
- drivers with a high claims rate ;
- previously terminated drivers.
Car insurance prices: the importance of the vehicle
If the car insurance simulator takes into account your profile to calculate the car insurance rate, it will also be interested in the vehicle you want to insure and its use. Indeed, not all vehicles present the same level of risk. To carry out the calculation of car insurance, the insurer will need to know :
- the vehicle model (make, model and series) ;
- its characteristics (new, used, tax power and date of entry into circulation) ;
- its purchase value ;
- and its use (place of parking, year-round mileage, nature of the trips made, secondary drivers, etc.).
Car insurance quotes: the selected guarantees
The price indicated on the car insurance quote will also depend on one last criterion: the selected guarantees. At Macif, you have the choice between 4 formulas to adapt the level of coverage to your needs (1).
Economical: with this "third-party" car insurance, you benefit from a civil liability guarantee and general assistance.
- Extended: In addition to the guarantees of the Economic formula, this intermediate insurance covers you against theft, fire and ice breakage.
- Protective: this is an "all risks" insurance including, in particular, damage to the vehicle and acts of vandalism. It also allows you to select 4 optional guarantees à la carte.
- Comfort: to offer you maximum protection, this formula offers the same guarantees as the Protective insurance, and adds 0 km breakdown assistance, the loan of a vehicle of equivalent category (2), the private contents of the vehicle guarantee, the Accessories guarantee and the Indemnification Plus guarantee. This formula also includes services that accompany you in case of need such as:
- the “Conveying" service: Is your vehicle immobilized and repaired more than 50km from your home following an accident or a breakdown? No more need to move around! If you wish, a professional will transport your vehicle to your home(3).
- the “quote study following breakdown" service: your vehicle is out of order and you want a specialist opinion to analyze the quote from your garage owner? Thanks to Macif Assistance, you benefit from advice and opinions from automotive specialists.
- the “Rental vehicle Deductible" guarantee: are you renting a vehicle from a professional or on a car sharing platform and this vehicle suffers accidental damage? This guarantee will cover the deductible differential between your Macif Auto contract and that of the lessor..
