With the health crisis, our habits have changed. Some cars have spent three quarters of the year in the garage, we have taken better care of our health and our home… The time has come to take stock of your specific insurance requirements, in order to save money. on your 2021 contracts.
How to save on your auto insurance
During the spring 2020 containment, the number of automobile claims fell by 75%. This means, for insurers, millions of savings and for you, users, reduced contributions for 2021!
Take advantage of frozen rates
In such a context, many auto insurance companies have indicated that they will freeze their rates for the year 2021. If yours does not, not only will you not save a dime but, moreover, you will have to face a rise of 1 to 2%! Three options are then available to you:
- Send a registered letter with acknowledgment of receipt to your insurer, asking for a commercial gesture towards you, by emphasizing how little you drove last year, or by evoking how the health crisis affected your personal finances.
- Ask your insurer to establish a contract for you which takes into account the kilometers actually traveled, or which covers you for a maximum of 10,000 kilometers per year.
- Cancel your contract and choose an insurance company willing to offer you better guarantees. Follow this link to compare insurance policies and choose the one that best meets your budget and coverage requirements.
How to save on your home insurance
In the current health context, you have probably never spent so much time in your home! The opportunity or never to review the different options appearing on your home insurance contract, in order to save a few euros in 2021. Indeed, like most French people, you have undoubtedly taken advantage of confinement to take care of your home like never before. From DIY to maintenance work, you have avoided as many claims as possible! Not to mention the number of burglaries, practically reduced to zero during the spring of 2020 … Do not hesitate to ask your insurer to take these elements into account, especially in anticipation of a year 2021 which also has a strong chance. to take place three quarters of the time at home.
How to save on your health insurance
Did you take advantage of the last confinement to change your habits and give up smoking? Savings in prospect on your health insurance! No need, in fact, to pay a fixed price for stopping smoking if it is done. Likewise, during the past year, you have felt more supportive than ever with your loved ones. Take inspiration from this new trend to take out additional health insurance that includes all members of the family: your health budget has everything to gain!