Why use a car insurance comparator?
Compare dozens of car insurers online with lesfurets
There are many reasons to make a car insurance comparison on the internet. It is indeed a service:
By comparing with lesferets, you will put insurers and their services in competition (prices, options, exclusions, deductibles, compensation periods, etc.). You will save an average of €360*.
The necessary elements for your simulation
To make an auto insurance simulation with our comparative tool, you must provide the information:
- on your general profile as well as your driver history (seniority, bonus-malus etc.)
- related to the characteristics of your car (its brand, its model, its taxable horsepower, its type of fuel, its date of purchase, etc.)
- related to your habits (number of kilometers per year, frequency of use and use, etc.)
To find all this information, you will need:
Compare and get a quote online
After completing our form, you will receive the auto insurance quotes best suited to your needs, sorted in ascending order.
Each car insurance quote is therefore made up of several elements:
Buy car insurance online
When you have chosen the offer of the most advantageous car insurance company, you can take out car insurance online directly on the website of the insurer that interests you, or over the phone with the help of an advisor. .
You will then be asked to pay a first deposit corresponding to 1 or 2 months of subscription, in order to finalize the subscription and obtain a temporary green card valid for 30 days .
In order to receive your definitive insurance certificate, you must provide the supporting documents requested by the insurer (license, registration document for the vehicle to be insured, information statement, etc.)
How to change car insurance?
Are you tired of paying for your insurance so expensive? Your guarantees and options no longer meet your expectations? Or do you simply want to change car insurance to better meet your needs? There is still time to do it! After one year of subscription, you are fully entitled to terminate your old contract and subscribe to a new one. How ? Thanks to the Hamon law.
Determine the best car insurance for you
At lesfurets, we consider that good insurance is the one that best meets your needs, at the best price .
There is a car solution for each profile : a young driver who has just obtained his driving license will not have the same needs as a senior, which is why there are formulas and extensions adapted to each driver (seniority, bonus/penalty etc.).
So do not hesitate to compare to find the best car insurance according to your needs.
Our advice for finding the cheapest insurance
Finding cheap car insurance is, unsurprisingly, the wish of many motorists. If the financial aspect is essential, it should not overshadow the other elements to be taken into account when choosing your car insurance, and to be well covered in the event of a claim. For this reason, the car insurance comparison allows you to compete the rates, but also the proposed extensions, by receiving several proposals in a few minutes.
Cancel your car insurance contract
Want to stop paying too much? Have your needs changed? Or would you like to find better insurance without paying the high price? Many reasons can motivate this choice. Know that it is quite possible to cancel car insurance .
Thanks to the Hamon law on car insurance , you can change insurance at any time, after one year of engagement with your former insurer. For this termination, you do not have to justify your request and no costs will be applied against you.
Châtel law obliges insurers to inform you of the renewal of your contract no later than 15 days before its anniversary date.
Finally, a change of situation can also motivate the termination of your contract: in the event of a claim, sale of your vehicle, theft, etc.
The withdrawal period
Generally, when you buy car insurance online, the withdrawal period does not exist. Once your contract is signed, there is no going back. However, some insurers are prepared to grant you the right to withdraw for 14 days. Find out about the terms and conditions.
What are the different car insurance formulas?
It is sometimes complex to find your way among the different auto insurance offers, but don’t panic, we have prepared guides detailing all types of auto insurance .
There are three major contracts on the market. But what do they correspond to and what exactly do they include?
Third party insurance
This is the mandatory legal minimum to subscribe. Third-party insurance generally includes: auto civil liability which covers all bodily injury or material damage that you may cause , the driver’s guarantee which covers bodily injuries received , and legal protection which allows you to defend your interests. in the event of a dispute and will bear the legal costs that you may incur.
This contract only covers damage that you may cause to an individual (your passengers, a cyclist or a pedestrian), but not those that you may suffer.
Third party insurance plus
This intermediate formula makes it possible to find a happy medium between the other services. It includes all the guarantees of third-party insurance and adds the car theft guarantee , which compensates you in the event of theft or attempted theft causing damage, and the fire guarantee which covers fires of criminal or mechanical origin. .
Back to back insurance
It is the most complete contract . All-risk insurance covers almost all the damage that you could inflict on an individual in the event of a responsible accident, but also those that you could suffer.
It contains several extensions to cover material damage such as glass breakage, which covers the repair of the various glazed elements , the collision damage guarantee, which compensates you for damage suffered in the event of a collision with other drivers, and the all damage guarantee. accidents which covers all glitches, whatever the accident , even if you are at fault.
Finally, all-risk insurance allows you to be repaired in the event of a hard blow with extensions, such as breakdown assistance which includes towing or breakdown assistance in the event of a breakdown or accident, 0 km assistance to benefit from assistance wherever you are , even in your garage or in front of your home, and the loan of a vehicle in the event of immobilization following a breakdown or an accident.
There are also specific insurances to meet specific needs, for example for drivers who want a temporary contract.
- Insurance per kilometer: the annual fee for this contract is calculated according to the number of kilometers travelled. Car insurance per km is ideal for small riders.
- Temporary insurance : available by the day, week or month, it allows you to drive safely for a period of 1 to 90 days (3 months). Temporary car insurance is recommended in certain cases, such as when you have to go to a country where your car insurance does not cover you in the event of a claim, etc.
- Insurance for cars that you are not the owner : car rental, loan or carpooling , there are suitable contracts.
- Leasing insurance: if you choose to lease your car , your dealer will certainly offer you cover, but this is not mandatory. It’s up to you to see if it suits you, or if you want to choose another one on your own.
Table of car guarantees by formula:
|THIRD PARTY||THIRD PARTIES MORE||ALL RISKS|
|Protection of people:|
|Climatic bad weather||❌||❌||✔️|
|Attacks and acts of terrorism||❌||❌||✔️|
|Damage all accidents||❌||❌||✔️|
|Breakdown and accident assistance||❌||❌||✔️|
This table is given as an example. The options may vary depending on the contract taken out and the agent chosen. The intermediate formulas, for example, include at least the theft and fire extensions in addition to a basic formula. But some offers offer extensions in the intermediate services.
Find coverage that’s right for your vehicle
Finding the right insurance depends on your vehicle, which is why we have listed insurance by type of vehicle in order to direct you to the most suitable cover for it.
Depending on the type of vehicle:
You don’t have a license but want to drive? Note that a car without a license must be insured in the same way as all land motor vehicles. You have the same services and choices as for traditional contracts.
Are you the proud owner of a luxury vehicle? Powerful cars, 4x4s or SUVs are favorite targets for thieves. A more complete offer is highly recommended, especially if your vehicle is new. And if you want to be compensated up to the purchase price, you can choose a replacement value guarantee.
Do you drive a clean car ? Good news, insurance formulas for electric and hybrid cars are generally cheaper because the risk of an incident is lower.
Are you a professional ? Dedicated offers are available for VTCs , your car fleet or a company car
Do you want to insure another type of vehicle? There is also specific insurance for motorhomes, trucks and vans or any other vehicle you may own.
Depending on the age and condition of your vehicle:
Regardless of its age or condition, your only legal obligation is to insure it. You are then free to choose a higher level of security if you wish.
Have you just bought a car ? If it’s a new vehicle, an all-risk formula is more than essential. While for a second-hand vehicle or an old car , a third-party formula supplemented with a few extensions may be sufficient.
And if you own a non-driving vehicle , you have a legal obligation to insure it at least with civil liability cover.
According to the make of the vehicle:
Compare the specific insurances according to the make and model of vehicle :
- Renault insurance
- Peugeot Insurance
- Citroen insurance
- Volkswagen Insurance
- BMW Insurance
- Audi Insurance
- Ford Insurance
- Mercedes insurance
- Toyota Insurance
- Porsche Insurance
Choose an offer that matches your profile
Your profile is one of the main factors to consider when choosing your coverage. This is why we have detailed the insurance by profile of insured .
Are you considered a high-risk profile ? If you have suffered several responsible accidents and are malused, or your insurance contract has been canceled by your previous insurer, the companies may, at worst, refuse to represent you, or at best, apply an additional premium.
Not registered as main driver ? If you regularly use the car of your spouse, friend or relative, you must be listed as a secondary driver on their contract. For more occasional use as an occasional driver, a steering wheel loan guarantee will be sufficient.
Did you just get your driver’s license ? You are considered a young driver for 3 years and will have to pay a legal surcharge, which will be reduced by half if you have been driving accompanied.
What happens in the event of a claim?
Have you had a car accident recently? Here are the steps that await you in order to be compensated as well as possible.
File the claim
If you have taken out breakdown and assistance cover, the very first step to take is to contact your insurer so that they can take care of your request quickly.
Then, you need to complete an amicable report at the time of the claim, in order to maximize your chances of being reimbursed. If you were unable to make a statement, you can still send a detailed accident report , in which you explain the facts.
Finally, all you have to do is send the report directly to your insurer, respecting the deadlines related to the nature of your accident: 2 working days for a car theft, 5 working days for a road accident, a fire or glass breakage and 10 working days from the constant decree of this state for a natural or technological disaster.
It all depends on the nature of your claim. For a traffic accident without material damage, you will have to wait 3 months. A more serious accident causing bodily injury will be compensated after 8 months. In the event that your car has been stolen, you will have to wait an average of 30 days. Finally, if you have suffered a natural or technological disaster, you should wait approximately 3 months following the official declaration of the interministerial decree.
lesferets accompany you beyond car insurance
Once your car insurance has been taken out, the adventure begins! lesferrets inform you throughout your life as a driver:
- Buying and selling your car : purchase aid, financing, choice of vehicle
- Your car : maintenance, administrative procedures, driving, offences, safety
- Your car insurance contract : modification, termination and subscription to car insurance
Auto Insurance Frequently Asked Questions
How to cancel car insurance?
- Send a termination letter by registered mail to your former insurer after one year of subscription
- Ask your new insurer to take care of it
- Terminate before expiry thanks to the Châtel law
Which car insurance to choose?
It all depends on your profile, your needs, the car to be covered and your driving habits. A young driver will not choose the same insurance as a more experienced motorist, malussé or otherwise. You can choose car insurance according to your budget, according to its specific characteristics (guarantees and options, etc.) or, according to your habits (if you are a heavy wheeler or an occasional motorist, for example, etc.).What is the best car insurance?
If third-party insurance is the minimum compulsory cover to be able to drive in France, it is not necessarily adapted to your needs. Indeed, the best car insurance is the one that allows you to cover your car, protect your loved ones and those around you, while respecting your budget. To find it, nothing beats the online auto insurance comparison. A free, fast service, which allows you to compete with different insurance offers selected according to your criteria, before subscribing to the one that suits you.How much does car insurance cost?
Difficult to answer this question precisely, because the price of auto insurance is set according to various criteria (the profile of the insured, his background, his car, etc.). According to our 2021 study, third party insurance cost you €478.38, third party insurance plus €612.25 and comprehensive insurance €781.37.Is car insurance compulsory?
The law of February 27, 1958 is very clear on this subject: any owner of a land motor vehicle has the obligation to insure it at least with third-party car insurance, also called civil liability (RC).