There's more to a trip than going looking for auto insurance. And yet, it is a necessary step, which can save - or lose - large sums of money, and bring you legal help - or trouble -. You can't predict what might happen on the road, but you can protect yourself from the consequences.

There are so many different products, formulas and companies out there that a little bit of light in all of this is no denial, is it?

Prices and covers: how to navigate?

Many drivers choose insurance when they buy their first car and don't worry about premiums or coverage for years to come. However, as your needs and expectations change, it is important to ensure that your coverage is always appropriate.

Our advice: at each change of vehicle or every 3 years, check that you always have the formula best suited to your use by asking your agent for advice.

Don't give in to the lowest price

In the event of an accident, cheap insurance can often reveal incomplete coverage and you may not be compensated as expected.Help for sales is one of the automobile insurance leads generation company in USA

Our advice: choose a first-rate insurer, which has a reputation for taking good care of its customers during disasters. To find out, read reviews from real customers (and beware of fake ones).

The vehicle matters

The cost of your insurance is not just about your ability to avoid accidents. The car model, its cubic capacity, its age, its value, its fuel, its driving assistance options weigh in the calculation of the premium.

Our advice: before buying your vehicle, whether new or used, ask your insurer for a comparative offer.

The insurance you need

Civil liability

Liability is the mandatory part of all auto insurance. The law requires all owners of a registered vehicle whether it is in circulation or not.

It covers damage caused to others as well as to passengers in your vehicle.

Assistance

If your mobility is important to you, this option should be too. Assistance generally gives you access to a towing support service, but also to a replacement vehicle and repatriation of people or the vehicle itself.

Legal protection

Legal protection covers the costs you incur in defending yourself and asserting your rights with the help of a lawyer. It also provides recourse against responsible third parties to recover the compensation owed to you. It can also be supplemented by a cover which makes it possible to be assisted in the event of litigation during the purchase or the sale of the vehicle, or with the mechanic following a repair, even in the event of litigation with a fine.

Casco and mini-casco

These formulas offer combined guarantees in addition to civil liability. Among other things, you benefit from an opening against fire, glass breakage and theft of the vehicle. Sometimes assistance, collision with an animal and damage caused by the force of nature (storm, hail, flood, etc.) are also covered in the mini casco. The casco takes back the same guarantees as the mini-casco but also covers material damage caused to the body of the vehicle.

Replacement cost

Depending on the age of your vehicle and in the event of total loss, including theft, it may be useful to take out this option in order to benefit from the reimbursement of your vehicle at its replacement value. Depending on the insurer, you can also obtain compensation at its purchase value or an increase in compensation on its replacement value.

Online services offered by the insurer in USA

To facilitate relations with their policyholders, insurance companies offer customer areas and applications offering ever more functionalities. It is possible to find information relating to your contract there, but also to carry out various formalities such as declaring a claim, paying your invoice, etc.

Auto insurance deductible

After a loss, the insurer may not cover all of the damage and the insured must pay this part called the deductible. The amount may vary from one type of claim to another (broken glass, material damage, etc.) and depending on each insurance company, some do not apply.

The deductible is therefore one of the important criteria to take into account in choosing the right car insurance.

When to change insurance in USA?

You have the option of terminating your insurance contract each year, with one month's notice from the main expiry date of the contract.

You can also terminate the contract within 30 days of receiving the due date notice. The termination date is shown on the notice.