1 : Challenge your insurer every year because fidelity pays very infrequently and the best prices are usually reserved for new policyholders
This rule is unfortunately true for many products and services, including telephony and television subscription contracts. It is therefore good to go around the market (to get an idea of the prices elsewhere) and to play the competition.
Tip 2 : Compare to identify cheaper contracts with equivalent guarantees on the market
To have a good vision of the , you have to compare the contracts, and thus identify those that are cheaper than yours, for equivalent guarantees.
Tip # 3 : Use an online insurance comparator to save time, efficiency and completeness
Comparing online is free and actually saves a lot of time, imagine if you had to move or call each insurer to study his formulas!
» Compare auto insurance
» Compare home insurance
Tip # 4 : Emphasize an online actor, often less expensive, for connoisseurs
The advantage of privileging the insurers present only on the web is also not to pay the brand or the physical agency, and thus to benefit from better offers.
Tip # 5 : Negotiate with the physical insurers by offering the car and the home, a second car or a provident. Insurers are more flexible if they insure more contracts
If you have multiple contracts and services in the same brand, this can give you access to cheaper rates from your insurer.
Tip # 6 : Adjust the warranties as close to your needs as possible (vehicle age, kilometers traveled, values of movable assets, etc.)
It’s obvious: pay only what you need. This is as true for the mutual as for the car and the home.
Tip # 7 : Choose the annual payment as fees are applied for monthly payments
If your insurer offers a monthly payment rather than an annual payment, be aware that the total amount of your premium will be higher. Paying your car or home insurance premium at one time means a reduction.
Tip # 8 : Increase deductibles to lower the cost of insurance
This is a tip of which few know, but who can play on your insurance premium in the long run.
Tip # 9 : Pay attention to the reporting of small claims that may impact the amount of the premium while personal care may be more economical
It is true that taking care of small repairs directly will prevent you from being penalized and that your insurance premium will increase.
Tip # 10 : Do not reduce your warranties to save in the short term because in the long run and in case of accident the calculation could be bad
This last tip goes hand in hand with the sixth. So remember this: list your needs, and adapt the guarantees as much as possible. Be careful, your needs can change from year to year, so review them every year at the same time as you go around the insurance market to compare your contract with available offers.
Rising tariffs: how and why?
Insurance rates vary according to three criteria: the loss experience of the previous year and the following year (estimate), the commercial strategy applied (search or margin restriction) and the financial returns of the moment.
Auto insurance will increase between 0 and 2.5% for 2015 due in particular to the rise in the cost and frequency of personal injury claims in 2014 (by 5%), which can be explained by the good weather and the lower price. fuels, which made the French drove more, and also the new risk behaviors of drivers (more and more frequent use of smartphones driving).
The increase in auto insurance is however moderated by some insurers who have frozen their rates voluntarily, thus favoring commercial strategies of conquest to anticipate competition with the entry into force of the Hamon law on January 1, 2015.
The home insurance will undergo a rise of 2.5 to 5% , because the sector practiced levels of premiums quite low, having underestimated the weight of the climatic events and natural disasters that the year 2014 has known.