With 263.6 million vehicles in circulation in the USA, auto insurers are rubbing their hands! To avoid being plucked while rolling with serenity, find the insurance that you need at the right price.

What is behind insurance contracts

• A civil liability contract is mandatory for car insurance. It covers the material or bodily damage inflicted on others during an accident. It does not cover damage on your car. This formula is also called "third party auto insurance", and it is mostly the cheapest. 
• The intermediate auto insurance policy, called "  enhanced third party ", adds additional options. Does it include the guarantee of bodily injury to the driver in the event of an accident (whether responsible or not) or collision, ice breakage, car theft, home repairs, legal protection, Fire, natural disasters? These options differ depending on the company ' Insurance, then inquire well. Obviously, the more options you add, the higher the price of your insurance! 
• The " all risks  " contract covers you and guarantees you against any damage caused when you are responsible or not for the accident. You also benefit from reduced deductibles during accidents. For this type of insurance, you have to compete because the price can vary from one insurer to another.

What to check out before you buy auto insurance?

• Are you limited in your business or personal travel? Sometimes you can get different prices depending on the area of travel. 
• In the event of a breakdown at home or on the road, can you have a replacement vehicle? Under what conditions? 
• In the case of theft, are you insured for the exterior and interior of the car? Adieu CD, GPS or even snow chains, if your car is forced and you have not taken this guarantee. 
• What is the amount of the deductible? Very important in a case of an accident, you can do simulations based on your auto contract to have a simulation.

With or without deductible?

• If the vehicle is yours or you are going to buy it. 
• Are you the main driver and the only one? 
• What is the number of kilometers traveled per year? 
• The place where you live because there are more sensitive places than others.
• If your vehicle is parked in a private car park, on the street or in a garage.
• The status of your current bonus/malus. 

• If your vehicle is parked in a private car park, on the street or in a garage.
• The status of your current bonus/malus. Info: preferably, you must sign your contract at the beginning of the month because many companies charge the whole month even if your contract is signed on the 23rd of the month! To learn more, check out the article Car insurance: limit the fees! 
• If your vehicle is parked in a private car park, on the street or in a garage. 
• The status of your current bonus/malus.