SAVINGS
protection
Save on home and car insurance
Taking out an insurance policy can be a tedious task, especially when there are so many different products on offer, and the rates vary. But what factors do insurers take into consideration when setting the price of an insurance policy?
Obviously, the cover taken out is one of the variables taken into consideration, but other criteria also enter into the composition of the value of an insurance premium. While some criteria are fixed, others are variable, depending on the policyholder's profile and claims statistics.
In the case of home insurance, several factors are taken into account, such as the place of residence, the age of the building, the roof, the plumbing, and so on. But also the most recent renovations carried out, the type of heating and the type of heating system.claims historyand credit history. For automobile insurance, the factors that go to make up the premium are: driver's age and sex, type of vehicle, place of residence, vehicle use, credit record and driving and claims record.
Car and home insurance estimator and comparator
Store for fonts
Shopping around for insurance contracts is the best way to save money on an insurance policy with a online comparator. It's a good idea to ask for several estimates from the various insurance companies' comparators, or to contact a broker specialized in property and casualty insurance, who has a wide network of insurers at his disposal.
Find out about warranties and special rate programs
Some clubs, associations and schools have agreements with insurers, enabling them to benefit from preferential rates. It's a good idea to check with your insurance agent or broker in advance. Some insurers offer special packages for professions such as nursing or engineering.
Report vehicle use to your insurer
If the vehicle is not used for commuting, it is important to inform the insurer. The value of the premium to be paid can take into account the mileage covered by the vehicle. It would be interesting to find out about the possibility of participating in a rating program based on vehicle use, thanks to telematics.
Playing it safe
By choosing to install an alarm system or an anti-theft device, you can save money on your car or home insurance policy.
Combining insurances
By taking out your home and car insurance policies with the same insurer, you can benefit from an additional discount, thanks to this combination. Don't hesitate to call on car insurance comparator online.
Increase the deductible
To make savings on premiumsBut before opting for this option, it would be wise to estimate your financial capacity in the event of a claim. But before making such a choice, it would be wise to estimate your financial capacity in the event of a claim.
Choosing the right policy coverage
The coverage included in an insurance policy influences the premium you pay. It's possible to settle for basic insurance rather than opt for more comprehensive coverage. But before making a decision, you need to assess the risk of damage. It's worth noting that some cover cannot be withdrawn from the contract, particularly in the case of long-term leasing or bank loan financing. Don't hesitate to ask an insurance broker for a quote, so you can benefit from their advice and select the coverage best suited to your needs and situation.
