{"id":283,"date":"2021-05-27T09:11:29","date_gmt":"2021-05-27T07:11:29","guid":{"rendered":"http:\/\/www.tuningfever.fr\/?p=283"},"modified":"2021-08-19T12:22:21","modified_gmt":"2021-08-19T10:22:21","slug":"comment-comparer-les-assurances-auto","status":"publish","type":"post","link":"https:\/\/www.tuningfever.fr\/comment-comparer-les-assurances-auto\/","title":{"rendered":"Comment comparer les assurances auto\u2009?"},"content":{"rendered":"

L’assurance auto est obligatoire pour circuler librement sur la voie publique. C’est un contrat qui engage le propri\u00e9taire d’un v\u00e9hicule \u00e0 long terme. Ainsi, il est pr\u00e9f\u00e9rable de bien faire le tri entre les diff\u00e9rentes propositions avant de choisir, car l’annulation d’un contrat est souvent complexe. Voici quelques conseils pour vous aider \u00e0 comparer les assurances auto avant de vous engager.
\n<\/p>\n

Comparer le co\u00fbt des garanties<\/h2>\n

\"\"Les principales garanties offertes par une assurance auto sont la garantie obligatoire de responsabilit\u00e9 civile et la garantie individuelle du conducteur. La garantie obligatoire de responsabilit\u00e9 civile inclut les couvertures compl\u00e9mentaires usuelles en cas de vol ou d’incendie et le bris de glace. Pour bien comparer cette garantie, il faut tenir compte des conditions et modalit\u00e9s d’intervention. Par exemple, un contrat d’assurance auto plus cher qui intervient \u00e0 150 \u20ac de franchise est mieux qu’une proposition inf\u00e9rieure \u00e0 20 \u20ac, mais qui soumet l’assur\u00e9 \u00e0 500 \u20ac de franchise en cas de sinistre. La garantie individuelle du conducteur quant \u00e0 elle inclut la protection personnelle de l’assur\u00e9. Cette garantie fait toute la diff\u00e9rence sur le co\u00fbt final de l’assurance. Elle tient compte de plusieurs crit\u00e8res, \u00e0 savoir l’\u00e2ge et l’exp\u00e9rience du conducteur, mais aussi son coefficient de r\u00e9duction-majoration ou bonus-malus.<\/p>\n

Faire une simulation du co\u00fbt global d’un sinistre<\/h2>\n

\"\"C’est un des meilleurs moyens pour comparer les devis d’assurance voiture<\/a>. Il est important de simuler le co\u00fbt d’un sinistre et de se r\u00e9f\u00e9rer au montant annuel de la cotisation. Par exemple, le bris de glace est le sinistre le plus fr\u00e9quent. Pour les r\u00e9parations, vous pouvez en premier simuler un co\u00fbt de 100 \u20ac, puis de 250 \u20ac et de 500 \u20ac pour pouvoir ainsi comparer les contrats et avoir des aper\u00e7us sur les franchises et les exclusions \u00e9ventuelles.<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

Conna\u00eetre les franchises et les exclusions<\/h2>\n

\"\"Apr\u00e8s avoir compar\u00e9 le prix, vous devez vous pencher sur ces deux crit\u00e8res : les franchises et les exclusions de garantie. Il faut savoir que plus les franchises sont \u00e9lev\u00e9es, moins il y a de l’indemnisation dans le remboursement. Cela signifie \u00e9galement que la cotisation d’assurance est moins \u00e9lev\u00e9e. Pour les exclusions, il faut savoir que plus la liste de celle-ci est longue, moins vous \u00eates couvert. \u00c0 titre d’exemple, si la garantie de vol n’est valable que si la voiture est gar\u00e9e dans un garage, donc cela exclut un incident qui se d\u00e9roule dans un parking ext\u00e9rieur.<\/p>\n

 <\/p>\n

Tenir compte de l’assurance conducteur<\/h2>\n

\"\"M\u00eame avec une bonne assurance au tiers, il est essentiel de vous assurer en tant que conducteur contre des dommages corporels. Pour b\u00e9n\u00e9ficier du meilleur prix en assurance conducteur, vous devez \u00e9valuer votre niveau de conducteur et vos ant\u00e9c\u00e9dents. Si vous \u00eates un excellent conducteur avec un bonus \u00e9lev\u00e9, votre assurance pour cette garantie devrait \u00eatre moins ch\u00e8re.<\/p>\n

Faire appel au comparateur d’assurance auto en ligne ou \u00e0 un courtier<\/h2>\n

\"\"Il existe plusieurs sites de comparateur d’assurance en ligne. Il vous suffit de faire la comparaison en mettant en \u00e9vidence vos besoins et en entrant plusieurs crit\u00e8res. Le comparateur vous proposera plusieurs assurances qui pourraient r\u00e9pondre \u00e0 votre profil, mais qui ne sont pas forc\u00e9ment les meilleures, il ne vous reste plus qu’\u00e0 choisir l’assurance auto qui vous convient<\/a>. Sinon, faire appel \u00e0 un courtier est une solution tr\u00e8s efficace. Il se chargera de vous trouver les meilleures assurances en termes de tarifs, de bonus et m\u00eame des petits d\u00e9tails qui font la diff\u00e9rence. Apr\u00e8s, vous pouvez choisir en fonction de ses propositions.<\/p>\n","protected":false},"excerpt":{"rendered":"

L’assurance auto est obligatoire pour circuler librement sur la voie publique. C’est un contrat qui…<\/p>\n","protected":false},"author":1,"featured_media":307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"yoast_head":"\nComment comparer les assurances auto\u2009? - tuningfever<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tuningfever.fr\/comment-comparer-les-assurances-auto\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment comparer les assurances auto\u2009? - tuningfever\" \/>\n<meta property=\"og:description\" content=\"L’assurance auto est obligatoire pour circuler librement sur la voie publique. 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