In recent years, car insurance rates have slightly increased. Given this price rise, drivers are sometimes tempted to drive without insurance, which is illegal and dangerous. To avoid this, a careful examination of the prices from different insurers based on a car insurance quote is a reasonable way to ensure road safety.
A slight increase in rates
It is known that car insurance is subject to an annual increase in its rates.
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However, rest assured: with Maaf Auto Quota, you have the option to bid for car insurance, and you can quickly determine that it is a very slight increase of an average of 1 to 2%.
It should also be noted that the increase in car insurance is more strongly included than household insurance.
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This increase is due to a number of factors: firstly, the cost of spare parts rises significantly each year (by 3 to 4% per year); on the other hand, the number of people killed and injured on the roads began to decline sharply in 2018 (a decrease of 4.8% in fatalities, a decrease of 12% in hospital injury cases). This downward trend is expected to continue with the implementation of the speed limit of 80 km/h on national roads.
So don’t worry about it: a car insurance quote should not bring you cold sweat, and insurance premiums remain quite affordable.
What is the principle of a car insurance quote?
It is not easy, among the various car insurance plans offered by insurers, to determine which one best suits your needs. That’s why a car insurance quote can be an indispensable tool. To create a quote, the methodology is very simple: if you go to your insurer’s website, you can access a page where you will receive an online quote. You will then need to answer various questions regarding your driver profile (date of obtaining your driver’s license, age, place of residence, etc.); and about your vehicle (purchase date, model, brand, whether it runs on diesel or gasoline…).
The information collected allows you to request a car insurance quote in just a few clicks: you will receive a proposal for a personalized plan via email, along with guarantees that specifically meet your needs. Of course, nothing prevents you from communicating with your insurer’s advisor for more information about your car insurance quote. Therefore, if you do not understand the usefulness of any of the guarantees offered or if you wish to subscribe to additional guarantees, your advisor will listen to you.
How to cancel your car insurance
Your car insurance quote has convinced you: you want to take the plunge now and switch to another insurer. Know that nothing prevents you from looking at a competitor if you have been a member of your insurer for a year or more. You can terminate your contract without providing any proof.
You will need to send a cancellation letter to your current insurer, but your new insurer can also proceed with your account if you wish.
If you choose to send the letter yourself, you will need to provide proof of your subscription to your old insurer to your new insurer.
If your new insurer handles the procedures, you will need to provide them with certain information: your contact details, your insurer’s contact details, your contract number, and your insurance number.
You may receive a refund of the premium corresponding to the remaining time after the cancellation of your contract.
Be aware that this cancellation may affect your no-claims bonus, as when you take out a new contract, you will have to wait a full year to receive a bonus.
Tag : How to save on your car insurance?