Changing car insurance: how to go about it?

Changing car insurance: how to go about it?
Thinking of changing car insurance but not sure how to go about it? And if you did not know it yet, know that changing auto insurance allows you to save money by turning to a better insurance offer.

It is indeed possible and even simple to change auto insurance to go to the highest bidder. Several laws give you the possibility of this, starting with the Hamon law.

So how do you change auto insurance? What are the steps to follow ? Why are you in the interest of changing auto insurance? All the answers to these questions are in this article!
Why do you have an interest in changing auto insurance?
Before explaining to you how to change auto insurance in a few quick and easy steps, let's first see what are the good reasons that can lead you to change auto insurance.

The first of these is undoubtedly the price. Does the annual rate of your current auto insurance contract seem too expensive? Changing auto insurance allows you to benefit from a better rate, an annual premium amount lower than the one you pay. Because over the years, your insurance company has certainly increased the amount of your insurance contract premium, even if you have not caused or suffered any claims or accidents. In this case, it is high time to play the competition between different insurance companies and to turn to an insurer who offers you a better price.

You also have everything to gain from changing auto insurance to benefit from better coverage, guarantees more protective than those of your current contract, an auto insurance formula totally adapted to your driver profile but also to your vehicle.

Also, perhaps you are disappointed if not dissatisfied with the quality of customer service from your current insurance company? Also in this case, you have every interest in changing car insurance, because customer service support is essential to be advised in order to choose the right car insurance formula, as in the event of a claim, of course.

To summarize, here are the good reasons that can push you to change auto insurance:

to benefit from a better price
to benefit from better coverage and more appropriate guarantees
to benefit from better customer service
 Did you know ?
If you still hesitate to change auto insurance because you fear that the operation will be complicated and expensive, rest assured because the change of insurance for a vehicle is:

no fees or penalties
no termination formalities to be carried out on your side
no justification to provide
When can you change auto insurance?
The change of car insurance is possible according to three deadlines:

during the first year of the contract, following a change in personal situation
during the first year of the contract, according to the Chatel law of 2005
from the first year of contract concluded in accordance with the principle of the Hamon Law of 2015
However, the majority of drivers who choose to change auto insurance do so thanks to the Hamon law, and therefore as soon as the first year of the contract has passed. Here is how to do it.
Change car insurance from the first year passed thanks to the Hamon law
The Hamon law dating from 2015, also called the Consumer Law, was designed to allow consumers to save money by making competition easier and more systematic on a wide range of services, and insurance is precisely one of them.

This law thus gives you the possibility of canceling your auto insurance contract from the first past year, once you have found a better offer, more interesting from a financial point of view and more protective in terms of cover.

Thanks to the Hamon law, you can therefore change car insurance at any time, as soon as your current contract expires in the first year, and without costs or penalties or without having to carry out the termination procedures yourself.

Another good news is that if you have already paid your annual premium at once with your current insurance company, the latter will be required to reimburse you for the overpayment following the change in auto insurance.
Change auto insurance during the first year of the contract
If the Hamon law allows you to change auto insurance at any time as soon as the first year of the contract has elapsed, another law gives you the possibility of changing insurance, even during the first year of the contract. This is the Chatel law, which dates from 2005.