We always get lost when it comes to renewing our car insurance with all the clauses that exist. And above all, why do prices increase every year? For the year 2020, we expect an increase between 1% and 2% of the insurance premium. It is therefore normal to look for cheap car insurance to drive safely without breaking the piggy bank.
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Our selection
"When you subscribe to the MMA Third Party Plan, you automatically subscribe to different levels of protection such as assistance in case of glass breakage…"
"Active Insurance's simple Third Party formula is even suitable for insolvent profiles, such as those with a bad credit history and those who have been…"
"In addition to the free application fee, Groupama's Mini offer includes optional coverage from other insurers. The basic offer includes defense and recourse assistance."
"AXA offers you a cheap car insurance with its Tiers formula and 0 € of file fees. On all its insurances, AXA follows you 24…"
When you subscribe to the MMA Third Party Plan, you automatically subscribe to different levels of protection such as assistance in case of glass breakage or theft.
QuoteThe Tiers formula offered by MMA is one of the most complete on the market at a good price. With an application fee of about 15 €, your contract will cover civil liability, minimum, and legal aid, the insurer takes care of all or part of your legal fees. You will also have basic glass breakage coverage in case of damage to your windshield or windows.
Driver's coverage is a basic option included in all MMA plans. And you can always add a few options to personalize your offer with the insurer.
Active Insurance's simple Third Party formula is even suitable for insolvent profiles, such as those with a bad credit history and those who have been terminated! Here, everything is transparent, with super detailed fees.
QuoteActive Assurances' vision of car coverage is to insure everyone by providing cheap car insurance with little paperwork. In 2 minutes you'll get a quote, even for those with bad credit or cancelled contracts. And you will be able to subscribe to the Tiers Simple offer right away! This is the cheapest basic level of protection on the market today.
The Third Party Single plan includes liability and legal defense coverage. This is the minimum level of protection required by law and only covers damage caused by you to a third party.
In addition to the free application fee, Groupama's Mini offer includes optional coverage from other insurers. The basic offer includes defense and recourse assistance.
QuoteGroupama's Mini au tiers policy includes civil liability, which compensates people and property damaged by your fault. It also includes bodily protection with a compensation ceiling of up to 1 million euros, criminal defense or recourse coverage following a claim and assistance to people on the road.
In order to satisfy you, Groupama adds in its formula, the least expensive, the option of having a replacement vehicle if yours has been the victim of an accident. Moreover, you can personalize your contract with various options such as glass breakage or 0 km breakdown assistance for example. Theft and fire coverage is only available on a higher formula.
AXA offers you a cheap car insurance with its Tiers formula and 0 € of file fees. On all its insurances, AXA follows you 24 hours a day and offers a Joker guarantee.
QuoteFrom this level of security, you will have the right to assistance in less than an hour, 24 hours a day, where the insurer sends a tow truck to rescue you in case of accident, theft or fire without a kilometer deductible. The 30 km deductible applies only in case of mechanical breakdown. The Joker guarantee allows you to go to work in a cab if you cannot drive.
The particularity of the AXA car insurance is that you have 3 packs, by formula, not counting the basic offer. Thus, with the mobility pack, you will not have any mileage deductible and you will be entitled to a replacement car in case of breakdown or theft, for example.
Any specific needs?
The best cheap car insurance in 2021
The best entry-level cheap car insurance
The best premium cheap car insurance
Your guide :
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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 |
8/10 |
9/10 |
7/10 |
| OUR SELECTION |
Cheap car insurance - MMA Tiers
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Active Third Party Insurance
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Groupama Mini, one third
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AXA Third Party
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When you subscribe to the MMA Third Party Plan, you automatically subscribe to different levels of protection such as assistance in case of glass breakage or theft.
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Active Insurance's simple Third Party formula is even suitable for insolvent profiles, such as those with a bad credit history and those who have been terminated! Here, everything is transparent, with super detailed fees.
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In addition to the free application fee, Groupama's Mini offer includes optional coverage from other insurers. The basic offer includes defense and recourse assistance.
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AXA offers you a cheap car insurance with its Tiers formula and 0 € of file fees. On all its insurances, AXA follows you 24 hours a day and offers a Joker guarantee.
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Third-party liability coverage
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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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Option
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No
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Yes
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Option (Pack)
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File fees
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15
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20
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0
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0
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Glass damage
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Yes
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No
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Option
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Yes
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Theft and fire
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No
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No
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No
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No
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Your driving record will influence the amount of your coverage. The insurance companies analyze your past as your bonus-malus, the number of insurers you have worked with. The first thing to do if you want to find the right plan is to drive responsibly. If you do, you'll get a good policy. Insurers penalize bad drivers.
The choice of insurance company is a special time when you are looking for cheap car insurance. The companies in the top 10, in the Argus de l'assurance ranking, offer the best support, but you'll have to get out the checkbook. An insurance contract corresponds to a specific profile, it is enough to change a detail for the amount of the premium to change. On the other hand, you can look for specialized companies that offer services that meet your specific needs.
The agent analyzes the condition of your car to assess the cost of likely repairs. When quoting online or at an agency, the insurer will ask you for some information such as :
To get cheap car insurance, it will be wise to have a used car with high mileage. In this case, you will be able to have a coverage with an amount of about a hundred euros per year. On the other hand, if you buy a new car from a major brand, you will have to get out your checkbook, as the estimated cost of repairing your vehicle will not be in your favor.
Once your profile has been established, you will be asked what type of insurance you would like to purchase. It is common for the insurer to offer you a specific plan, rated according to your profile, but you can choose your own. The cheapest type of insurance is the Third Party plan, which you can customize, if possible, with guarantees that will increase your level of protection without inflating your premium. The basis of a cheap car insurance is :
In general, you can add glass breakage, theft and fire coverage to get closer to the intermediate offer without breaking your piggy bank. The other trick is to buy a mileage insurance policy that is based on the total distance you can drive in a year. This is ideal if you don't plan to use your vehicle daily or if you are used to alternating car use with public transportation or biking.
The deductible is a way for insurers not to pay out any indemnity depending on the driver's level of responsibility. Yet, it is also a way to decrease the amount of your contract by increasing the ceiling of the latter. But it is a double-edged sword, because if you commit an incident you will pay a big financial penalty. If you don't, you'll be a winner all the way around. If you think about it, it's a good deal because you'll become a better, more responsible driver with cheap car insurance.
The fluctuation of your insurance premium is directly related to your driver profile, as explained above, due to new regulations or if your insurance company has decided to increase its rates.
Sometimes the government adds mandatory coverage to the car insurance or decides to increase the level of taxes that are in effect. In both of these cases, the insurance company will have no choice but to increase their rates in order to meet the burden of the new regulations.
However, the decision to update your premium rate may also come from your insurer. For example, if the company's sales are down, the company may decide to increase its rates.
Premium prices vary greatly depending on where you live. The highest prices are found in the Île-de-France and PACA regions. The insurer takes into account, in its evaluation, the place of your residence and according to your place of residence your premium will vary. The type of parking lot or garage where your car is parked also counts.
So, if you move, don't be surprised if your premium goes up, because the assessment of the safety of your car's parking may be considered more dangerous. However, if they rate it as safer, you'll get a discount.
Third party car insurance will be the cheapest, no matter which insurance company you choose. With a minimal level of protection, you can drive on public roads, but you have to be careful. If you don't commit any offences during the year, you will reduce your annual premiums by 5%. This is one way to get cheap car insurance the following year. However, if your car is new or a major brand, you are advised to choose a superior formula.
Third Party + is halfway between third party liability and comprehensive. Its advantage is that you will have more options than the Third Party option to customise your policy to suit your requirements. Specialised companies' offers of this type are more than affordable with a 3/4 or 2/4 driver's guarantee. Read your cover carefully before signing!
If you have a car with low mileage and a period of use between 2 and 3 years, the intermediate or Tiers + formula is a good deal! You can modulate your offer to have a coverage approaching the comprehensive model or remove coverages to lower your premium. Third party coverage is perfect for low-cost, high-mileage cars.
Malus
It's hard to find an insurer when you have a file full of malus. But, it is not an impossible mission to find good deals from companies specialized in this type of case.
Young drivers
Hard to
be able to drive your vehicle when you just got your license. The extra premium is a big constraint that can be alleviated by choosing the accompanied driving option.
Be careful
The
influence of movies with car races greatly influences the attitude of many drivers. Yet, it is the best way to cause or have claims that will increase the insurance amount the following year.
No drinking and driving
This
type of liability will cost you when you renew your coverage especially if you cause a claim. Drinking and driving is the best way to become insolvent and if the incident is repetitive it will result in the cancellation of your policy.
Amicably!
When
you have a minor accident, settle out of court to resolve the problem. This will cost you less in time and money. On the same note, if you cause small damages of a few hundred euros, offer to pay for the repairs without calling your insurer. Your premium will thank you!
The best cheap car insurance depends on your needs and your budget. Read our buying guide to find out which products are best for you.
The Tiers package is the most affordable and is the minimum required to be able to ride.
In order to find the best deal, you need to use a comparator. However, it is useful to understand why your car insurance is increasing and for that I invite you to read our complete guide.
No. In order to evaluate your car insurance, the insurer will take into account your personal data. A car insurance contract is therefore unique. In our article on cheap car insurance, we detail the different criteria that count.
You can subscribe to the third party formula which is the cheapest and perfectly suited for this type of vehicle. On the other hand, you must take into account the level of experience of your son. Has he had a year of accompanied driving? If so, you will have a reduction in the premium.
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