When buying a new car, you need to make sure you have the best insurance to cover it. Surely you want major risks to be covered and the insurance premium to be affordable. The best way to find the right coverage is to compare different insurance companies’ options. For this, we recommend that you do an online simulation with the help of ferrets. It’s quick and easy, follow this guide to choose the best auto insurance for your new vehicle.
What is the best car insurance for your new car?
There are different types of auto insurance, each with its pros and cons. All-risk insurance is the most commonly used for a new car. It is also the most expensive. However, it allows you to benefit from very broad coverage and ensures that you do not have to pay repair costs in the event of a claim. If you are involved in an accident, your company will pay for the repair of your car. In the event of its destruction, you will be able to benefit from sufficient compensation to replace it. Comprehensive insurance is one of the most expensive. This is due to the fact that it is an insurance that covers all damages and claims.
Third party insurance provides coverage for damage caused to a third party. It represents the basic formula with civil liability included. It is an economical solution, but it is not suitable for a new vehicle. If you opt for third-party insurance, we recommend that you add optional guarantees. Thus, you will compose a tailor-made cover that meets both your expectations and your budget. This is an interesting option to consider. You may also be interested in the third party plus formula, which already includes some relevant options at a competitive price.
What are the preferred guarantees?
With the purchase of a new car, it is essential to study its insurance contract carefully. Even with all-risk cover, your protection can be improved. The latter allows you to be compensated if you are responsible for an accident. You can complete it with the following options:
- Assistance 0 km: The basic contract often offers breakdown assistance included, but with an excess of 30 or 50 km. In this case, if you break down in front of your home or a few kilometers from your home, you are not taken care of. The majority of our trips are made within a radius of 20 km around our home. It is therefore useful, for a few euros more each year, to choose the 0 km breakdown assistance option.
- Replacement value in the event of destruction, irreparability of the vehicle: When you take out car insurance, you should know that the replacement value in the event of destruction of your vehicle can be guaranteed. This means that you can claim a full refund (less any deductible) over a longer or shorter period. Thus, this guarantee can be applicable for 12, 24 or 36 months depending on the contract. This is the best solution to protect your investment.
- Material damage guarantee: this option is included in the all-risk insurance contract, but, if you opt for third-party insurance, you can add this option to benefit from coverage in the event of an accident at fault.
- Driver’s guarantee: again, this option is included in the all-risk formula, but we recommend that you systematically add it to your third-party insurance. It allows you to be compensated in the event of sequelae following an accident at the wheel of your car. The amount of compensation and the terms of payment are specific to each company, so take the time to study them closely.
With these few options, you have effective coverage against the various eventualities that may arise in your daily life.
Compare car insurance on lesfurets.com
You can use an online comparator to find the best auto insurance deal for your new car. This allows you to compare the offers of several insurance companies. You can thus obtain a favorable rate. This also allows you to take advantage of the best guarantees. lesfurets compare the prices of a panel of around thirty insurers for you.
Save 360 euros per year on your car insurance by easily discovering the best offers available. To take advantage of it, you simply have to answer a few questions asked by the comparator. No need to repeat the operation for each company. The service offered by lesfurets takes care of the operation for you. In a few minutes, you will have access to several proposals adapted to your profile and the vehicle to be taken out as collateral. Your online insurance simulation is free and without obligation.