Cheaper car insurance for young people with connected boxes
It is particularly recommended for young drivers, as insurance organizations do not often tend with them. “Often the premiums for young people are very high, because insurers cannot distinguish young drivers who drive dangerously on Saturday night to return home and those who use it much more carefully,” explains the expert. Consequence: they pay around 50%, sometimes even 60% more than a traditional profile for the same guarantees, or quickly several hundred euros per year. Thus, an all risks insurance will cost them on average 1,179 euros per year, against 680 for the national average.
How can I get free auto insurance? Tips and tricks for 2020 year
A simple solution is to install a communicating box in the glove compartment of the vehicle. This small machine then automatically collects data and assesses the conduct of the insured on the basis of certain criteria: average speed, braking or sudden acceleration among others. If the driver’s score is very good, then he is considered a risk-free customer. “His premium can then be reduced by up to 40%. What almost erase the premium that young drivers pay ” says the expert. For an experienced driver, on the other hand, the economy is much lower, in the order of a few tens of euros per year.
Tips and advices to get cheap auto insurance in 2020 year
Remove unnecessary coverage and renegotiate your auto insurance policy
Still little known, special insurance systems are developing. It is necessary to look in your contract for any unnecessary options or clauses. “These adaptable formulas allow you to add or remove certain guarantees when you wish,” explains the expert Vigor, director of communications for the reassurance insurance broker. For example, n can choose the amount of the deductible, this sum which remains the responsibility of the driver following an accident and which is therefore not reimbursed by the insurer. It is thus possible to increase it by several tens of euros in exchange for a reduction in monthly contributions of up to around 15%.
How can I buy the cheapest car insurance for 2020?
Another adaptable option: legal protection, a clause which allows you to benefit from legal aid in the event of a dispute. It costs you on average 60 euros per year (5 euros per month) and is not necessarily useful since you can only benefit from it if the case is brought before a court. The glass breakage guarantee can also be offered as an option with certain insurers, Allianz for example. Removing it will therefore automatically lower the bill. Ditto for loss of point assistance – which allows you to obtain a free lawyer to contest your loss of points or driver’s license.
More generally, if you realize after a few years that you have taken out insurance with unnecessary options, you should obviously not hesitate to change the contract to obtain a formula more suited to your needs. “Know that loyal customers also generally have the possibility of negotiating with their insurers clauses better suited to their needs without fundamentally changing the contract..” adds the insurance expert.