5 tricks to save in your automotive insurance coverage


Hey babe, let me tell you, I’ve always been a bargain hunter. I can spend hours looking for the best value for everything, even for… car insurance! It’s less glamorous than the sales at Sephora, I grant you that, but it’s worth it, I promise you. Come on, let’s go, immediate boarding for car insurance at a low price!

5 tips to save on your car insurance 1

“It is better to seek to save on what is useless, than to earn more to keep spending it.” – Financial Proverb

1. Compare insurance offers

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The first step is to compare. We usually do it for clothes, shoes, so why not for car insurance?

  • Consult online comparators
  • Request quotes from several insurers
  • Study the guarantees offered according to your needs.

There you go, you have your first remedy to save on your car insurance. It’s as simple as making your mascara, right?

2. Choose an economical vehicle

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I know, we all dream of a nice sports car or a chic 4×4. But let’s face it, these cars cost a fortune to insure. So if you want to save money, get a car economic And environmentally friendly. They are often cheaper to insure. In addition, some insurance companies offer discounts for environmentally friendly vehicles. It’s like choosing a chic and cheap outfit, but for your car!

3 important things to know about car insurance

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  1. The price of insurance varies according to your profile: age, gender, driving experience, place of residence…
  2. The value of your car has an impact on the cost of insurance. The more expensive your car is, the higher the insurance will be.
  3. Deductibles can increase the cost of your insurance. A higher deductible means a lower cost of insurance, but you will have to pay more in the event of an accident.

4. Be a responsible driver

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Want a safe way to drive up the cost of your car insurance? Take lots of tickets. The more offenses you have to your credit, the more you are considered a risk for insurers. But if you are a responsible driver, with few or no tickets, your insurer could reward you with a lower premium. So drive carefully and obey the rules of the road, it will save you money!

5. Take advantage of discounts and discounts

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Don’t forget to ask your insurer what the reductions available. Some companies offer discounts for good drivers, students with good grades, or even if you’ve taken a defensive driving course. It’s like a private sale on your car insurance, don’t miss it!

Frequently Asked Questions

1. Can I negotiate my auto insurance?

Yes you can negotiate your car insurance. You can ask your insurer to review the cost of your premium if your conditions have changed (for example, if you drive less or if you have installed a security device in your car).

2. Is it better to have a high deductible?

It depends. A high deductible can reduce the cost of your insurance premium, but it also means that you will have to pay more in the event of an accident. It is important to find a balance that works for you.

3. Can I change auto insurance at any time?

Most of the time, yes. You generally have the right to to change insurer whenever you want, but you may have to pay an early cancellation fee. It’s always a good idea to check the conditions of your contract before deciding to change insurer.

Examples of situations for cheaper car insurance

1. Driver with a good record

Let’s imagine that you are a driver with a good driving record : no accidents, no fines, nothing. In this case, insurers consider you a low risk and are more inclined to offer you a lower insurance rate. It’s like having a loyalty card at your favorite store that entitles you to discounts – here, your “loyalty” is your good behavior!

2. Owner of an economical and safe car

Now suppose you are driving a economical and safe car, like a Toyota Prius or a Honda Civic. These vehicles are not only more economical in terms of fuel consumption, but they are also considered safer and less likely to be involved in serious accidents. In addition, they are less targeted by thieves. Thus, owning this type of vehicle could allow you to benefit from lower auto insurance rates.

2 mistakes to know and avoid

1. Not reading the fine print

The classic mistake. It’s like buying a dress without looking at the price. You know what I mean ? THE fine print of the contract often contain crucial information. So don’t forget to read them before signing your car insurance contract.

2. Forgetting to update your insurance

If you move, if you change your car, or even if you install an alarm system, you must update your insurance. You could get a discount or avoid an unnecessary raise. It’s like forgetting to renew your loyalty card, you lose benefits! So don’t forget to to update your insurance.

That’s it, you now have all the keys in hand to save on your car insurance. So, it’s up to you, my dear!

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