Car insurance: why do you pay more?

When you remove a contractCar carThe insurer announces a reward amount to be paid every year. This subscription corresponds to the formula, guarantees and options you have chosen. But over the years, known for the notices of maturity that the amount of this First It increases, even if the bonus increases by 5%.

In case you have known no leftThis situation is particularly frustrating from a financial point of view because your vehicle loses the value With age, which in theory represents a lower risk to guarantee.

THE General conditions Car contracts allow insurers to France to increase the amount of the prize at the deadline, even when there is no change in risk. The search for cheaper insurance is therefore the only solution to reduce the amount of contribution.

To determine the amount of its prizes, an insurance company is based on a complex calculation according to many Statistical data. The principle of mutualist insurance is that the overall cost of complaints is covered by all the prizes collected, with compensation for Risks among them.

Any guaranteed risk is therefore analyzed with regard to the frequency And the cost of the statements that have been connected to it for several years. This analysis is located in front profile specific for the driver and his vehicle.

To summarize, with all the contributions received, the insurer must be able to pay all the requests of his insured. But it must also generate enough financial margin To make your business work and develop.

CES costs Logistics, commercial, marketing and administrative therefore insert the calculation of the subscription. And to this it is added taxes Voted and deducted on behalf of state or public organizations (up to 33% on the guarantee of responsibility).

So many elements that may vary more often on the increase, the amount of a car insurance award, despite the application of the reduction coefficient (Bonus-Malus) provided by the insurance code.

In CAS di Exceptional loss (serious road accident or natural disaster), the insurance companies will be repercussions, for example, costs on all the same type contracts. Likewise, strategic choice Investments and development can lead insurers to increase their prizes.

Finally, the state can decide to increase one of the contributions Mandatory as insurance rate for natural catastrophes (which will drop from 6 to 9 % on average for car insurance in 2025) or the special tax on insurance agreements (including theexemption For electric vehicles they will disappear soon).

Apart from a overall increase Prices, some developments of the contract will therefore have a direct impact on the amount of the prize.

AS, All requests are taken into consideration when establishing the annual prize from the insurer. A responsible disaster will cause a MalusBut a non -sensitive disaster will also change your profile in the eyes of the insurance company.

A move, a change of use of the car, the addition of one or other drivers on the contract (accompanied guide, driving license young driver…) constitute all the circumstances that can allocate the amount to pay the insurance and potentially cancel the profit induced by the annual gain of the 5%bonus.

The insured who sees his increase in the contribution was ultimately not taken on this Prices Since it is dictated by the health and financial strategy of its insurer or even by the government’s budget decisions.

First of all, it is in particular necessary to contact the insurer to check that there is no calculation error on his part and ask him discount commercial. But this type of discount is rarely applied, also for faithful customers.

In this case, it is better to request a where you go Another company or insurance insurance company that will probably formulate an offer that includes a lower annual rate.

In this sense, you can consult a file Comparator car insurance or specialized rankings such as the one published by Cheaper To benefit from car insurance at the best price and therefore save money.

There is a good chance you can do inferior Your subscription this year, since the price differences between French insurers are remarkable. For the same guarantees, two companies will offer prices ranging from single to double, representing hundreds of euros per year!