the great barometer of auto insurance

Insurance is a big part of the motorist budget, and premiums almost always go up from year to year. For 2022, estimates therefore show an overall increase of between 0.5 and 2%.

Thus, according to the latest budget study conducted by the Automobile Club Association, the share of insurance represents between 10 and 13% of the motorist’s budget, with an average premium amounting to 508 € for all damage cover (figure from the French Insurance Federation).

In addition, there are financing, maintenance, fuel and toll budgets, to make up an addition the sum of which is difficult for many of us to bear.

However, it is possible to limit breakage by being vigilant. Indeed, as the years go by and laziness helping, we often tend to “fall asleep” on our contract and to let the amount of annual contributions increase even though we have no claims to report. Clearly, the companies take advantage of our passivity to load the boat, imperceptibly … but very tangible.

The author of these lines experienced this himself a few months ago, noting that his own company, of which he had been a customer for ten years, offered him a lower rate of 52% (!) to iso-guarantees when he presented himself as a potential new customer.

Customer service, immediately seized of the case, hastened to correct the situation when it was presented with the estimate obtained: less than half an hour devoted to the case, and 327 € saved over the year! Try it, you will see …

Under the Hamon law, you can in fact terminate your contract with more flexibility than before, either on the first expiry of the contract, or on the occasion of a change of situation (moving, etc.), or no when at the end of the first year of the contract, by ordinary mail and without the need to justify anything. The law is on the consumer’s side, which forces insurers to be more conciliatory.

Roll (well) covered

It is in this context that Caradisiac, associated with the price comparator Les Furets, is setting up a major auto insurance barometer, the information of which will be updated every quarter.

Together, we have established a series of standard profiles that allow us to cast the broadest possible net and provide an overview of the current auto insurance market. The prices obtained are obtained from offers from a panel which includes some thirty companies. For some of these profiles, we also carried out a price comparison between thermal, hybrid and electric models.

Our purpose: to give you an idea of ​​the prices at which you can claim during your own surveys, and to help you direct you towards the most relevant choice possible.

Because let’s not forget, insurers (this is less true for mutuals) also respond to a market logic, and can choose to favor a particular type of customer. Insurance is also about marketing.

It’s up to you to know how to make the most of it, while keeping in mind a few golden rules during your prospecting:

– NEVER lie to an insurer concerning your past, because false declarations would inevitably turn against you (compensation revised downwards, or even refusal of compensation and / or termination).

-Do not hesitate, when possible, to “shield” the driver / passenger individual protection generally offered as an option. If something goes wrong, this allows for much better compensation.

– As explained above, be sure to interview the different companies (starting with yours, but anonymously) every three to five years, so as to regularly put all this small world in competition. There are substantial potential savings to be made.

– When you compare the offers, do it with comparable guarantees. Do not focus on the price alone. A low annual premium can be accompanied by very high deductibles and / or weak guarantees. These guarantees must also be better known to subscribers. For example, if your car is damaged or stolen in the street while your warranty stipulates that it must be parked in a garage, you risk a refusal of reimbursement, or a reduction thereof.

However, the search for the lowest prices is not everything. Keep in mind that insurance is always too expensive, until the day you really need it …

The influence of the Bonus-Malus on the insurance premium:

Comparison, for the same profile, of the amount of the insurance premium:

Tiers

Vol & Incendie

All risks

With a bonus close to the maximum

(0.54 or 46% bonus)

248€ / an

327€ / an

412€ / an

No bonus or penalty

(1 is neither bonus nor penalty)

449€ / an

736€ / an

1185€ / an

With a maximum penalty

(3.50 or 250% penalty)

1626€ / an

2403€ / an

3457€ / an

* These prices are the average of the 3 best prices offered on the lesfurets.com site on October 27, 2021