Before choosing your car insurance policy among all the offers on the market, you must first define your needs. Once the needs have been clearly identified, the different products proposed must be compared according to the guarantees offered (eg fire, theft, breakage of ice, content and additional guarantees). 

The amount of the contribution is obviously an important element to be taken into account but which varies according to the desired guarantees. 

The comparison of car insurance rates must, therefore, take into account the differences that may exist between the guarantees and deductibles proposed.

Your vehicle is new and therefore has a fairly large value. It is therefore often advisable to take out an "All risks" guarantee that will compensate you for any financial loss related to the occurrence of a loss. 

However, pay attention to the indemnity clauses in the event of a claim occurring during the first year, some auto insurance contracts plan to compensate you on the basis of the new value of your vehicle, others will apply a "dilapidated" as of the first (See "Convention Value" in your auto insurance policy).

You must insure this vehicle at least for the mandatory "civil liability" guarantee. It is logical that a recent vehicle of value has an interest in being insured in the widest possible way (with "all-risk" type of cover), whereas for an older vehicle the owner can be satisfied with a guarantee Mandatory "civil liability". 

He will then pay a lower premium but will not be compensated for damage to his own vehicle in the event of a responsible accident.

In addition to the specific questions you need to ask yourself according to your vehicle type, it is recommended to pay attention to the "mileage" deductible that could apply to the "assistance" warranty. 

If your auto insurance policy provides a warranty for assistance in the event of an accident or even a breakdown, you may not be covered if your vehicle is within a certain kilometer Your home (25, 50 km) at the time of your problem.

The majority of auto insurance contracts provide for a maximum annual period of outside borders (usually three months). 

Beyond that, you have to sign a contract in the country concerned and in some cases also have to change your license plates.

This warranty requires your insurer to contact the car insurance company of the identified person in charge of an accident to obtain compensation for damage to your car and its occupants. 

This warranty is almost always included with the mandatory minimum warranty "Liability".

This guarantee complements the "defense remedy". It allows you to benefit from the assistance of professionals in the event of, for example, legal or administrative proceedings involving your car, dispute when renting a replacement car, the conflict between you and us on the placing In the game of a guarantee or the settlement of a claim. 

In addition, costs incurred in certain procedures related to your vehicle (hidden defects not declared by the seller, the problem arising with a rental replacement vehicle, etc.) are borne in part by the insurer.