Changing car and home insurers is a good way to save money. You can easily earn, according to your profile, a third of the annual contribution according to our partner Meilleurtaux Assurances. But before you start, don’t forget to take stock of your needs.
Here is the question asked recently by a reader of MoneyVox: “For a housing contract, with the same level of guarantees and deductible, without negotiation or massive canvassing, I was able to earn 16 euros per month by changing insurers. Is it always so easy? »
Information taken, the reader in question held home insurance with a bank-insurer since signing his mortgage in 2019. His contribution had increased by 10 euros since that date and he was refused any commercial gesture. When it was time to change, he simply asked a mutualist where his personal car is already insured. Result, an annual home insurance contribution which went from 492 euros to 288 euros. So easy as a phone call? We tell you how to win every time.
A better rate for newcomers
On the car insurance market, as for home contracts, competition is fierce between the different players. And if the average prices of your premiums increase each year, insurers are ready for real commercial gestures to attract new customers.
Especially since the arrival of new players online, and the entry into force of the Hamon law. It thus allows you to terminate your car or home insurance contract, simply and free of charge, after the first year, without having to justify yourself.
And insurers are ready to put the means to seek new customers. According to the statement by the Prudential Control and Resolution Authority (ACPR), so-called acquisition costs have risen in total from 3.3 billion to 4.6 billion euros per year for all insurers over the past 10 years.
Specifically, France Assureurs figures at 12.40 euros, on average, out of 100 euros of premium paid per contract, the amount spent to attract new customers.
What you can expect to earn
Households spend an average of 110 euros per month to ensure according to the calculations of Meilleurtaux Assurances. A high budget which should encourage people not to settle for the same contract out of habit. “Using an insurance comparator is the guarantee of savings on your contract. It is estimated at approximately 340 euros possible annual savings on all contracts, specifies Meilleurtaux Assurances to MoneyVox. More than 50% on home insurance and 30% on car on a young driver profile, a significant discount when you know the exorbitant price of young driver insurance. »
Car Insurance. For a recently declared claim-free profile, the prices offered by the Meilleurtaux Assuraces comparator are respectively 192.77 euros, 301.49 euros and 432.07 euros per year for third-party, third-party + (theft and fire) and comprehensive insurance. These prices are 32.15%, 34.42% and 37.66% more advantageous than the average price of the contracts analyzed by Meilleurtaux.
Car Insurance : save up to 340 € thanks to our online comparator
For policyholders who have recently declared a claim, prices rise to 230.52 euros, 342.27 euros and 540.45 euros but with an equivalent percentage gain compared to the average rate.
However, for young people under 25the room for maneuver is less important. At the third party, it will be necessary to pay 238.62 euros against 597.26 euros in all risks. Above all, with an equivalent profile, the comparator allows a maximum gain only between 22 and 32%.
Home Insurance. Based on coverage up to 10,000 euros (jewelry and furniture), an apartment can be insured at the best rate at 77.61 euros per year. This is 56.04% less than current contracts, according to Meilleurtaux Assurances. For a house, under the same conditions, the annual price will be 122.22 euros, i.e. a maximum discount of 54.2% compared to the average rates recorded by Meilleurtaux Assurances.
Be careful, however, to obtain the most attractive rates, many criteria come into play: age, job or composition of your household.
What to do before changing contracts
Before taking the steps to change insurance, do not forget to take stock of your insurance contracts, auto and home, every two years. It is thus possible to save money with your insurer by adapting your coverage according to your own needs and to eliminate duplicate guarantees.
And if you decide to change insurance, here is some advice to think about. “The amount of the contribution is not always the most important element to take into account, warns Olivier Gayraud, lawyer at the association Consumption Housing Framework of Life (CLCV). Take a good look at what’s covered and what is not. »
Four unstoppable tips to save big on your car insurance
Home insurance: Compare your contract
*Students aged 18 to 22. Health insured with an intermediate level of guarantees. Transported with a Third Party formula. Tenant of an apartment of 15 to 40m².
*Workers aged 25 to 35. Health insured with an intermediate level of guarantees. Carried with an All Risks formula. Tenants of an apartment of 40 to 70m².
*Employees and/or retirees aged 55 to 65. Health insured with an intermediate level of guarantees.