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The car insurance estimator guides you in choosing your car insurance. Whatever your profile - experienced driver or beginner, with bonus or malus - save money on your vehicle insurance.

Thanks to the Hamon law, terminate your contract at any time, easily and without justification.

Your new insurer takes care of everything! He will carry out the cancellation procedures for you free of charge and you will remain insured without interruption.

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Car insurance in a nutshell

Choose the type of car insurance that is best suited for your car. Indeed, many of you opt for an "all risks" formula. Nevertheless, when a car is more than 10 years old, the guarantees offered by this formula may become unsuitable.

On the other hand, regardless of the age of your car, systematically adopt a personal driver's insurance in your car insurance contract.

Take advantage of a car insurance estimator to estimate the rates and guarantees of the various offers offered by our partners.

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Car insurance estimator: find the best offer online

Your needs (full or third-party coverage) vary depending on the vehicle you use. Do you want to insure a rented second-hand model or a collector's car? In this case, your coverage will be different from that of a new car owner.

The offers of insurers are developed on the basis of the profile of drivers. Premiums attributable to customers who have accumulated the malus, seniors and young drivers tend to be increased. If you are one of these at-risk populations, it is in your best interest to perform a car insurance simulation.

If your budget is particularly tight, consider drawing up a car insurance estimation. Thus, in the event of a claim, you will benefit from excellent compensation. In addition, by choosing the best formula, you will save an average of 340 euros per year.

Before getting a car insurance quote, any estimator will require information about your profession and where you live. He will also find out about the date on which you obtained your license, as well as your claims history.

Other data such as the frequency of use and the function of the vehicle will be checked, as well as its brand and on-board equipment.

After filling out the form (which only takes a few minutes), a price estimation in line with your driver profile will be established. A detailed car insurance quote will determine whether the scope of the guarantees justifies the price.

If the offer meets your expectations, you can take out car insurance on the online estimator.

What are the different types of car insurance?

You can get personalized protection as part of a long-term rental or get temporary insurance. In addition to the classic contracts, insurers offer insurance per kilometer to small wheelers.

In any case, you will choose between three formulas: the basic guarantee, the intermediate coverage and the complete insurance.

Public liability car insurance or basic coverage

The so-called minimum guarantee, also third-party guarantee, covers compulsory insurance - the minimum required by law. Without this guarantee, your car does not have permission to drive. You will be protected if you cause bodily injury or property damage to any third party.

It can be a pedestrian, a biker or even another car driver. Most insurers include minimum assistance in this contract.

As soon as the means of transport has been used for more than 8 years, limit yourself to civil liability car insurance. The same is true when your car has cost you little. In any case, you must ensure that the amount of contributions does not exceed the value of your vehicle.

Intermediate car insurance to save money

Do you want to save on your insurance while being properly covered? Take out an intermediate contract. To find one that suits your needs, you need to consult a car insurance estimator.

In addition to the third-party guarantee, insurance companies, among other things, take care of theft and that of broken glass, that is to say the breaking of windows or windshields, are added to the minimum guarantee.

Some brands also agree to take care of the towing and to pay certain health costs in the event of an accident.

Intermediate car insurance is especially suitable for owners whose car is 3-5 years old. In addition, it is recommended if you do not ride frequently.

All-risk car insurance for comprehensive protection

As the name suggests, all-risk car insurance protects against all kinds of claims, including when you are recognized as being responsible for an accident. For example, you will benefit from assistance services, collision coverage and temporary replacement of your vehicle if it is immobilized.

The replacement value compensation option can be taken out if you want to be compensated at the purchase price. The refund applies in case of destruction or theft of the car.

The comprehensive coverage is popular with motorists who own a luxury car or a vehicle that has just been put on the road. If they can afford it, those who wish to be insured in all circumstances can also choose this type of car insurance contract.

Our advice on car insurance

Take care to check the driver's personal guarantee listed in your contract. This option is considered essential. It is this guarantee that compensates the driver in the event of a claim for which he is responsible or without an identified third party.

Picture: Illustration car insurance estimator

Moreover, if the driver's personal guarantee must always be included in your contract, we do not recommend that you take extended coverage on old vehicles that are not rated well on the ARGUS.

Indeed, if your car is no longer listed, the amount of the refund (less the deductible) will be low in the event of destruction of your car. Thus, the compensation will not compensate for the premium that you will pay to take advantage of the all-risk coverage.

Choosing your car insurance

Car insurance underwriting procedures have been simplified since insurers have digitized their offers.

However, with the plethora of contracts currently offered on the market, it is worth conducting an analysis of car insurance quotes. Before going through an insurance estimator, you need to determine your needs.

Diversified profiles that impact the price of insurance

The place of residence can affect the price of coverage. For example, in mountainous regions, wild animals can suddenly appear on the roads, which can cause an accident.

The premiums and guarantees of the car insurance contract also depend on the age of the driver. Professionals expect, in particular, that seniors will subscribe to a formula thanks to which they will be protected from all risks.

The driving experience also determines the amount of contributions. This is the reason why young drivers, considered to be at-risk profiles, pay more for their insurance. To pay less, they can take advantage of their parents' coverage as secondary drivers.

Vehicle-specific characteristics that are decisive

By taking out a cover adapted to the car you are driving, you will save money on your insurance. Those who drive with a new vehicle have every interest in taking out all-risk insurance. This advice applies all the more to those who buy their car on credit (3 out of 4 motorists).

Apart from the specific characteristics of the vehicle (such as power and engine type), other criteria are taken into account by professionals. The latter check beforehand the use of the car (family activities, business trips, taxi ...), as well as its usual parking area.

Coverage whose scope affects premiums

Before choosing a car insurance policy, we advise you to check the list of claims not covered, as well as the amount of the deductible. The larger the latter, the lower the contributions to be paid will be.

Depending on your needs, ask for additional guarantees in order to be better protected. Opt for 0 km assistance to be repaired wherever you are. Require coverage for personal items that you will be carrying in your car. Some drivers also include a personal guarantee in their contract.

Changing car insurance

To attract new customers, insurers are making their offers more attractive. Make the competition play. Once you find the right policy for your budget and your needs, you can change car insurance.

The reasons for taking out another insurance

Generally, drivers change their car insurance when they are dissatisfied with the services offered by their insurance company. For example, they may consider the amount of compensation for a loss insufficient.

It also happens that the guarantees of the contract no longer cover their needs, because their personal or professional situation has changed.

In addition, the desire to save money may explain the desire to terminate coverage, knowing that insurance contributions weigh heavily on the family budget. To improve their purchasing power, many road users are opting for more affordable coverage, but including more guarantees.

The opportunities to seize to change coverage

Change coverage as soon as you want after the first year of subscription. This right is provided for by the Hamon Law, applied since January 1, 2015.

In certain circumstances that impact the level of risk, you have the possibility to terminate during your first year of commitment. This is the case when you move or when you manage to sell your vehicle. The same applies when the car has to be scrapped due to its wear and tear.

The transition to another contract

After evaluating your needs and estimating the different offers marketed by insurers, you can change your contract. To do this, send a request to the chosen insurance company. The latter will take care of the termination of your old coverage so that you continue to be protected.

The former insurer will send a notice of termination within 30 days after the end of the contract. This document specifies, in addition to your profile, your history in terms of bonus malus. At the same time, the premiums you have already paid will be returned to you.

Questions / Answers about car insurance

How to cancel your car insurance?

By taking advantage of the Hamon Law, insured persons are not exposed to any penalty. Even during the commitment period, you can terminate your contract as long as the causes are legitimate.

The latter are specified in article L113-16 of the Insurance Code. This text also relates that the cancellation of car insurance must be made within 3 months of the event in question.

To change coverage, a registered letter with acknowledgment of receipt must be sent to the insurer. The latter will terminate the contract no later than 10 days after receiving the request.

When to pay a car deductible?

Regardless of the level of guarantees taken out, a car insurance contract includes a deductible. Aimed at empowering road users, it applies when they cause an accident. The same applies when the identity of the person responsible for the loss is unknown.

For each claim that is likely to occur, the type of car deductible and the way it is assessed are stipulated in the insurance contract. Generally, a fixed amount is mentioned there.

It may also be that this value is expressed as a percentage of the compensation. At the moment, there is no law governing the assessment of the deductible by insurance companies.

How does the malus bonus in car insurance work?

The malus bonus coefficient, which weights the annual contributions, consists of sanctioning or rewarding motorists for their driving. Each permit holder can find out his bonus / malus by consulting the information sheet issued by the insurer following a simple request.

The malus bonus coefficient can fluctuate between 0.50 and 3.50. If you purchase coverage for the first time, it is set at 1. This figure increases by 25% and 12.5%, respectively for responsible accidents and semi-responsible claims.

If no incidents are reported within a year, it automatically drops by 5%. The car malus fades after 2 years without an accident. (*)