Since 1958, the law requires vehicle owners to purchase car insurance before driving on public roads. But which one to choose? Which insurer should you trust? Not easy to answer, unless you spend hours comparing. Save time by reading our guide to the best car insurance in 2020.
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Our selection
"In the last few years, Direct Assurance has been awarded a trophy twice. And what better way to demonstrate the confidence of its customers than…"
"The acquisition of a car allows young people to become more autonomous in mobility, and why not, to start a profession. ORNIKAR accompanies them in…"
"With MAIF, you are automatically insured for carpooling. Its Plénitude formula covers all claims and provides a replacement car in case of theft."
"Whatever your vehicle, whatever the number of kilometers driven in a month, AXA will find a personalized formula for you. It offers all the essential…"
In the last few years, Direct Assurance has been awarded a trophy twice. And what better way to demonstrate the confidence of its customers than with an award? And it is for the security of its customers in their daily life that Direct Assurance invests so much.
Read moreDirect Assurance is first and foremost a team of insurance professionals at your service. By studying your profile and your needs, they will guide you towards the best choice, right up to the subscription of your contract. Direct Assurance has also updated itself to facilitate and accelerate your various procedures. Depending on your preferences, you can reach a customer advisor by email, via social networks, or by phone. A customer area is also available on the Assurance Direct website, and an application can be downloaded to monitor your contracts.
Whether it's a car or a home, Direct Assurance has a single point of contact who will help you with all the steps to take after a claim. The car insurance offers the formulas Tiers mini, Tiers essentiel, Tiers maxi and Tiers Tous risques. Depending on your needs, this car insurance can also benefit from various extensions, such as the Protection Pack, the Tranquillity Pack and the Serenity Pack.
The acquisition of a car allows young people to become more autonomous in mobility, and why not, to start a profession. ORNIKAR accompanies them in their approach and offers them car insurance packages corresponding to their means as beginners in active life.
Read moreYou should know that all ORNIKAR offers have been designed for young drivers - and the not so young - with the added advantage of online subscription and assistance. There is no need to go anywhere for the various procedures. Young people are therefore offered four insurance packages so that they can drive safely. To choose your formula, you just have to define your profile and then choose the most adapted guarantee. With a rate more than advantageous, since from 12 euros per month.
According to the profile of each driver, the car formulas proposed by ORNIKAR are the following: Standard, Aggravated Risk, Top of the Range and Young Driver. Focusing in particular on young drivers, ORNIKAR offers this last plan which provides the main car guarantees while being perfectly accessible to their budget. Subscribers also benefit from free mechanical assistance options, post-accident psychological coaching and driving training with an e-teacher.
With MAIF, you are automatically insured for carpooling. Its Plénitude formula covers all claims and provides a replacement car in case of theft.
Read moreThe MAIF Plénitude formula is a complete car insurance. In case of theft, breakdown, or immobilization of your car due to an accident, the company sends you a replacement vehicle. Moreover, you will be entitled to 0 km assistance and a protection guarantee for the transported objects. And that's not all: you get a 15% discount by installing a camera in your vehicle!
To go into more detail, this car insurance covers incidents due to natural and technological disasters, theft, fire and all-accident damage. It's the perfect contract to insure a new car.
Whatever your vehicle, whatever the number of kilometers driven in a month, AXA will find a personalized formula for you. It offers all the essential car insurance guarantees and also proposes many options according to your needs.
Read moreAny specific needs?
The best car insurance in 2021
The best entry-level car insurance
The best premium car insurance
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| TOP OF THE LINE | CHEAP | TOP OF THE LINE | VERY GOOD | |
In accordance with our commitment, this buying guide does not contain any sponsored products. |
9/10 |
6/10 |
7/10 |
8/10 |
| OUR SELECTION |
Direct Assurance
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Ornikar Insurance
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MAIF Plénitude
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AXA Insurance
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In the last few years, Direct Assurance has been awarded a trophy twice. And what better way to demonstrate the confidence of its customers than with an award? And it is for the security of its customers in their daily life that Direct Assurance invests so much.
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The acquisition of a car allows young people to become more autonomous in mobility, and why not, to start a profession. ORNIKAR accompanies them in their approach and offers them car insurance packages corresponding to their means as beginners in active life.
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With MAIF, you are automatically insured for carpooling. Its Plénitude formula covers all claims and provides a replacement car in case of theft.
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Whatever your vehicle, whatever the number of kilometers driven in a month, AXA will find a personalized formula for you. It offers all the essential car insurance guarantees and also proposes many options according to your needs.
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Third-party liability
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yes
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yes
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yes
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yes
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Vehicle loan due to accident
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optional
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optional
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yes
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optional
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Glass damage
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optional
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yes
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yes
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yes
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Theft
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optional
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no
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yes
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yes
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Fire
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yes
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yes
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yes
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no
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Driver's coverage
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yes
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yes
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yes
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no
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Automobile legal protection
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optional
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yes
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no
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Natural disaster coverage
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yes
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The level of protection, or coverage, is the first step to take when shopping around. It is this criterion that will largely define the amount of your car insurance. There are 3 different types:
However, these packages, depending on the insurer you choose, do not cover all your needs when problems arise. It is therefore important to trust an insurer who offers you a contract with basic and optional guarantees. In this way, you will be able to personalize your contract and get the best car insurance that corresponds to your wishes.
It is good to focus on the technical details, but you should also take into account the reliability of the company. Indeed, some companies, of car insurance, often offer discounted contracts difficult to refuse. However, the majority of these companies let you down when the time comes, which is frustrating! Here is a list of the best car insurance companies made by L'Argus de l'assurance this year, according to the number of contracts:
This feature can drastically decrease or increase the amount of your car insurance. It is a constraint, concluded at the time of the subscription of the contract, allowing to sensitize the drivers as for their way of driving. The insured pays a part of the damages. There are 5 types of deductibles available:
A
car insurance contract is subject to a minimum 35% tax and it is mandatory. However, did you know that the various guarantees, included or as options in your coverage, are also taxed? For example, the provisions against theft and fire are taxed at 18%, TCAS. As well as assistance or claims such as glass breakage.
The deductible will be applied according to your level of responsibility in the event of a claim. First and foremost, it is important to know that each guarantee in a car insurance contract is subject to a deductible, which can significantly increase the final amount of your coverage. It is therefore advisable to choose intelligently the different options that will complete your customized insurance.
In practice, you will not pay any deductible if you are declared not responsible for the loss. Logically, therefore, if you are at fault you will pay the deductible in full. However, if the fault is shared, at 20% or 50%, the deductible applied will be equivalent to your degree of responsibility.
It is important to understand how the different levels of protection that form the basis of car insurance work. They define the amount of compensation you will receive and it will depend on your responsibility in case of a claim. We list below their specificities.
This is the most basic type of coverage, also called third party liability insurance. It is the minimum required by
law for a car to be driven. By purchasing this coverage, you will be protected in the event of an at-fault incident against another motorist or a pedestrian, for example. However, you will not be compensated if you have an accident.
If you have an older car, used for more than 8 years, it is a good insurance. You can add optional guarantees to perfect your level of protection. However, make sure that the total premium does not exceed the value of the car.
Intermediate or Third Party Plus car insurance takes the features of the Third Party policy and adds optional coverages paid for by the insurer. For example, glass breakage coverage, specifically windows and windshield, and theft coverage become part of your coverage
. The offers depend on the insurers who can offer you customizable packages up to legal protection.
This
is comprehensive protection that covers you even when you are responsible for the loss. This offer automatically includes the majority of existing guarantees such as: theft, natural disasters, attack, glass breakage or fire. This type of coverage is perfect if you have just bought a car or if you own a car with a high market value.
This is an option available when you take out Third Party or Comprehensive car insurance. Here, we take the details of the packages mentioned above and you evaluate with your insurer the mileage you can drive in a year. The principle is that you must not exceed your mileage package or you will be subject to a penalty. Otherwise, if you still have kilometres left on the odometer, you can be reimbursed.
An intermediate policy is perfect for those who can't afford the all-risk policy but have a car that is between 3 and 5 years old. You can save money with this policy by adding a few well-chosen optional coverages such as the driver's personal guarantee.
The mileage package will allow you to save up to 30%, but it is more suitable for people who do not use their car daily. Otherwise, it will quickly become a constraint to your professional activity. In this case, it is wiser to choose an intermediate contract which has a good flexibility.
Provides financial protection
If you cause a car accident, you may be responsible for the costs associated with it. These may include legal fees, medical expenses for the injured person, or loss of income if their injuries leave them unable to work. Liability coverage can help pay these costs. Without this liability coverage (or adequate liability limits), you will likely have to pay these costs out of pocket.
If you are a car rental company
If you finance or lease your vehicle, your lender may require you to purchase collision and comprehensive coverage. Since the lender or leasing agent is the lien holder on your vehicle while you make payments, these two coverages can help protect their investment. Comprehensive or collision coverage can help pay to repair or replace the vehicle if it is damaged in a covered loss.
Protects against repair costs
Even if you own your vehicle, you may want to have collision and comprehensive coverage on your auto insurance policy. While mandatory liability coverage helps pay for damage to another driver's vehicle, it's important to have coverage for your own vehicle.
Helps protect your passengers
Medical payments coverage and personal injury protection can help pay your medical bills if you are injured in an accident. It can also help cover your passengers' expenses due to the accident. This coverage can help pay for hospital visits, doctor bills and surgery.
Helps protect you
Even though liability coverage is a legal requirement, many people drive without it. Uninsured motorist coverage can help pay your medical bills if you are hit by an uninsured driver. This coverage is mandatory in some states and optional in others.
Troubleshooting
If you've clipped the bumper of a car in a supermarket parking lot, for example, and there's no visible damage, talk to the owner to settle the problem amicably.
Young drivers!
For
beginners, opt for accompanied driving. By doing this, you will reduce the amount of your first car insurance policy by about 10%. If you don't have an accident, you can even discuss the amount of your extra premium with your insurer.
Pay annually
By
deciding to pay your insurance bill annually, you will save money, because your insurer will deduct the management fees
.
Install an internal camera
The
camera will allow you to record the course of accidents and this will allow you to quickly understand the responsibility of each. In addition, insurers offer discounts to those who want to install one.
Cancel certain warranties
If
your contract allows it, remove unnecessary guarantees that only inflate the price of your coverage
.
The best car insurance depends on your needs and your budget. Read our buying guide to find out which products are best for you.
Yes, it is essential to take out car insurance when you decide to drive on the public roads according to the 1958 law. With a minimum cover, such as third party liability, you will save yourself a lot of trouble in the event of an accident, as the insurer will take care of the costs and compensate you according to the chosen formula.
The inexperience of young drivers is a real headache for insurance companies. This is why their contract is subject to a 100% degressive premium surcharge. However, a past as an accompanied driver with an excellent grade can lower the cost of the premium.
The bonus/malus is a way for an insurer to evaluate your dangerousness. The more malus you have, the harder it will be to find a good insurer. Like credit cards, there are now companies that specialize in this type of insurance. If your current insurer continues to support you, stick with them!
Anyone who has been in an accident is likely to be stressed and upset. It's hard to know what to do. Catch your breath and take stock of the situation. If anyone is injured, call the police. Then fill in the accident report form that you must send to your insurer within 5 days of the accident.
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