Car Insurance ▷ Comparator & Free Quote



According to the insurance code, it is compulsory to insure any land motor vehicle to cover at least its civil liability in the event of an accident. This is why what no matter your profileyou must subscribe to a warranty formula offered by the various insurers because no one is immune to an accident and damage. This also promotes the defense of your car (in the event of theft or damage).

Motor insurance takes the profile into account to offer prices that range adapt to your needs. Recognize your profile:

  • young driver: since the risk of accident and claim is higher for a young driver, the rates are also higher until the end of the 3rd year of the licence.
  • experienced driver
  • bonus: if you have a bonus, the amount of your premium is reduced, which saves a few euros.
  • malus: with a malus, it is the opposite of the bonus, the price of your premium is increased
  • terminated: considered as a risk profile, there are insurers specializing in these cases. The rates are higher than for a conventional driver.


Depending on the type of automobile you own, the price changes. This is why a online comparator makes the process easier. Here are the types of vehicles covered by insurance:

  • electric, new or used;
  • collectibles;
  • caravan;
  • trailer ;
  • without license ;
  • camping car ;
  • truck.

self image

The protection of your motor vehicle is guaranteed by many insurance companies. To make the right choice, our comparator proposes to compare the blanketsthem franchises and to obtain the formula and the tariff which is in agreement with your needs.

The 3 main auto insurance formulas

In general, it is possible to compare in all and for all 3 auto insurance formulas thanks to our cheap car insurance comparator. Thus, just as for motorcycle insurance, it is possible to choose a third-party, intermediate or all-risk car insurance formula. Each of these formulas allows you, within the limits of your budget and your needs, the best car insurance possible. Following the comparison, you can make the right choice by having access to multiple auto insurance quotes instantly.

All-risk car insurance

It is without a doubt the most famous car insurance formula, but also the most complete. Indeed, it covers the majority of bodily injury and material damage that you could potentially inflict on a third party, or inflict on yourself. Thus, we generally find in this type of formula:

  • a civil liability guarantee
  • theft, fire and glass breakage cover
  • a damage guarantee (the person responsible for the accident must be identified)
  • natural disaster, storm
  • an assistance and repair guarantee (sending repairman, towing, loan of a replacement vehicle, etc.)

Comprehensive auto insurance is the smartest choice for premium new car owners with a high replacement value. Its high cost can nevertheless dissuade young drivers, who will then have more interest in moving towards third-party or intermediary insurance; more accessible.

Intermediate car insurance

As its name suggests, intermediate auto insurance bridges the gap between all-risk insurance and third-party insurance. She is an excellent compromise for moderate budgets. Intermediary insurance is less expensive than all-risk insurance and offers more coverage than third-party insurance. Generally, intermediate car insurance offers various additional guarantees (compared to “third party”) such as theft, assistance, fire, etc.).

Third-party car insurance

Third-party car insurance is the cheapest formula and is the most attractive choice for a young driver looking for affordable car insurance for their used or low-value vehicle, or if they drive relatively little. The civil liability guarantee is included in the third-party car insurance and legally constitutes the compulsory minimum insurance.

As its name suggests, it covers bodily injury and material damage that the insured may cause to a third party. However, it does not include damage cover and therefore does not allow the insured to be covered for the damage that he and his car could potentially suffer.

Customization possibilities exist

Even if there are only 3 “classic” car insurance formulas, it is possible toadd some optional guarantees to your contract (to a third party or intermediary) and to modulate your levels of cover in order to benefit from better coverage. Thus, it is not uncommon for insurers to offer guarantees such as legal protection, 0 km assistance or even the driver’s personal guarantee. You can also decide to increase your deductible in order to benefit from reduced monthly contributions.

In addition, it is possible to opt for a special pricing method that has recently appeared and is generally recommended for young drivers or “little riders”, as it is more economical for them. It is insurance per kilometer, also called “Pay As You Drive”.

In this mode of operation, the total amount of the annual contribution depends entirely on the number of kilometers you will have traveled during the same year. The more you drive, the more this contribution will be important. The less you drive, the weaker it will be. This is why small riders have every interest in opting for this type of pricing. However, if you exceed the mileage that you had undertaken not to exceed when subscribing to this contract, a substantial additional premium will then be applied, your contract then losing its interest.

Changing car insurance: instructions

Thanks to an online auto insurance simulation, you can play the competition between insurers and find the perfect contract for you. Not only with a view to finding an insurance quote as a young driver, but also in the event that you would like to change insurer to find a more economical contract, and offering you as much if not more guarantees.

Thus, the Hamon law allows all policyholders who have taken out car insurance to rterminate their contract after one year. By using it, your new insurer will be able to take care of the procedures for terminating your old contract for you.

Car insurance FAQs


(1) Internal study carried out online with 1,440 users in November 2019. 79% would save an average of €340, for equivalent guarantees.

#Car #Insurance #Comparator #Free #Quote

Be the first to comment

Leave a Reply

Your email address will not be published.