How to make a choice?

All insurance contracts are not equal. Attention to the terms of subscription may vary the price of two!
Although important, the price of auto insurance should not be determinative. It is especially important to check the extent of guarantees offered. To choose your car insurance, the key is to play competition. In fact, most insurance companies have attractive rates, but still need to know what guarantees are offered for this price! Often small paragraphs contracts subtle hidden clauses which, in time, can have serious consequences ...

Not a contract is like another and it is for everyone to choose one that best fits the needs and which, nevertheless, the best value for money. Various forms exist, depending on needs and price ...

The first question is what exactly we want to cover. According to the insurance company or mutual that you go, it was, schematically, the choice between three levels of guarantees.

Either in ascending order:

- The only coverage of the Civil Liability (RC). In this case, the insurance covers all harm and injury caused to others. However, the vehicle is not insured, nor are the injuries which the insured may be a victim when he's wrong.

- Ensuring "damage collisions," which offers, in addition to the RC, a series of guarantees for any damage to the vehicle, the insured is responsible or not the accident, provided that the third party is identified. If the insured is not responsible for the damage caused to his vehicle will be covered by insurance side.

- Finally, the phrase "all risks" for those who wish to be insured for all damage caused to their vehicle in case of accident or they would not responsibility.

The choice of one of these options depends on the value of the vehicle. There are no rules. If the vehicle has more than five years, an "all risks" is not necessarily required, particularly for small cars. But it can still be justified on the car more upmarket.
Other important criteria are also taken into account when the subscription.

Some companies charge extra for instance in case of driver. Some contracts also limit beneficial perimeter travel or the use of strict leisure trips.
The other argument for self-determination is to see what are the facilities offered by the company in case of serious failure, ie if there is support and what is its scope and effectiveness .