Some insurers have already begun the ballet announcements about price increases for 2011. Maif advance higher auto insurance rates around 2.5% and more are expected with inflation without surprise. After five years of stability or even reduction, auto insurance, companies are facing a combination of factors that block their accounts. This is not the higher claims that impact their profitability as the rising cost of accidents (compensation for injury and repair costs). These two factors must be added the greater frequency of extreme weather events over the past two years. Nevertheless, the offers are more specific to better segment the demand, a driver can be warned lower order. Cautious motorists can be rewarded for their sharpness and driving, as well as those who drive around with the formulas for mileage.
Make according to his needs, this applies to any insurance contract. Auto insurance is no exception, everyone does not drive 20 000km a year, and a young driver will be penalized by its lack of experience against a veteran. Such a "pay as you drive", that is to say pay as you drive, have emerged recently in France (2008), well after the Anglo-Saxon pioneers in this field that we have imposed the same word. Offers are available to motorists who drive little, and work through the establishment of an electronic device placed in the vehicle which the insurer provides information on the number of miles actually made monthly (without invasion of privacy). The insured can save up to 30% premium on its self. The method is refined according to the regular route driver, one traveling at night on dangerous roads pay more for a motorist who drives day on major routes.
Most major retailers offer car insurance tailored to the mileage rolled (Amaguiz Groupama, MMA, Soly Azar, ...). These offers may also apply to novice drivers who usually pays for his lack of experience. Insurers will be sensitive to the fact that a young driver has completed his apprenticeship with the accompanied driving which lasts 3 years: this method will be privileged to give preferential rates to obtain a driver's license by the classical pathway. Another criterion that can lower the bill: the type of vehicle. The minivan boom has encouraged insurers to target their offerings for families, allowing a significant reduction to 35% of the premium.
Make according to his needs, this applies to any insurance contract. Auto insurance is no exception, everyone does not drive 20 000km a year, and a young driver will be penalized by its lack of experience against a veteran. Such a "pay as you drive", that is to say pay as you drive, have emerged recently in France (2008), well after the Anglo-Saxon pioneers in this field that we have imposed the same word. Offers are available to motorists who drive little, and work through the establishment of an electronic device placed in the vehicle which the insurer provides information on the number of miles actually made monthly (without invasion of privacy). The insured can save up to 30% premium on its self. The method is refined according to the regular route driver, one traveling at night on dangerous roads pay more for a motorist who drives day on major routes.
Most major retailers offer car insurance tailored to the mileage rolled (Amaguiz Groupama, MMA, Soly Azar, ...). These offers may also apply to novice drivers who usually pays for his lack of experience. Insurers will be sensitive to the fact that a young driver has completed his apprenticeship with the accompanied driving which lasts 3 years: this method will be privileged to give preferential rates to obtain a driver's license by the classical pathway. Another criterion that can lower the bill: the type of vehicle. The minivan boom has encouraged insurers to target their offerings for families, allowing a significant reduction to 35% of the premium.
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