{"id":995,"date":"2024-03-25T07:31:53","date_gmt":"2024-03-25T11:31:53","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=995"},"modified":"2024-03-25T07:32:11","modified_gmt":"2024-03-25T11:32:11","slug":"comment-magasiner-ses-assurances","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-magasiner-ses-assurances\/","title":{"rendered":"Comment magasiner ses assurances\u2009?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Peu importe le type de consommateur que vous \u00eates ou votre style de vie, un jour ou l\u2019autre, vous aurez probablement besoin de souscrire \u00e0 une assurance. D\u2019ailleurs, certaines assurances sont obligatoires, comme <\/span><a href=\"https:\/\/educaloi.qc.ca\/capsules\/lassurance-automobile-ce-que-vous-devez-savoir\/\"><span data-contrast=\"none\">l\u2019assurance automobile<\/span><\/a><span data-contrast=\"auto\">. Compte tenu de la vaste gamme de polices d\u2019assurance disponibles, c\u2019est facile de s\u2019y perdre. Voici quelques facteurs \u00e0 prendre en compte pour magasiner ses assurances sans perdre la t\u00eate.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Qu\u2019est-ce qu\u2019une assurance\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Que ce soit une assurance voyage, sant\u00e9, habitation, voiture ou tout autre bien, le principe demeure le m\u00eame. Vous contribuez \u00e0 la hauteur d\u2019un certain montant, en \u00e9change duquel vous \u00eates prot\u00e9g\u00e9 en cas de sinistre ou d\u2019incident. L\u00e0 o\u00f9 les polices diff\u00e8rent est dans le montant de la prime (ce que vous payez) et ce que vous pouvez r\u00e9clamer et sous quelles conditions.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">1. \u00c9valuer vos besoins<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">La premi\u00e8re \u00e9tape quand on veut magasiner des assurances est de r\u00e9fl\u00e9chir \u00e0 ses besoins. Si vous \u00eates encore jeune et que vous habitez chez vos parents, il est possible que vous n\u2019ayez besoin que d\u2019une assurance auto. Si vous partez en appartement, vous devrez penser \u00e0 une assurance responsabilit\u00e9 pour votre appartement. Finalement, si vous partez en voyage, une assurance couvrant vos frais de sant\u00e9 \u00e0 l\u2019\u00e9tranger serait un choix prudent.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bref, r\u00e9fl\u00e9chissez bien \u00e0 ce qui doit \u00eatre assur\u00e9 et pour combien de temps. Il est possible que vous trouviez un fournisseur qui combine plusieurs choses diff\u00e9rentes \u00e0 assurer en m\u00eame temps.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">2. Penser aux co\u00fbts de remplacement ou de services<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">C\u2019est probablement le point qui p\u00e8se le plus dans la balance \u00e0 savoir si vous voulez vous prendre une assurance ou non. Prenons l\u2019exemple d\u2019une assurance voyage pour une semaine de vacances en Floride. Peut-\u00eatre serez-vous tent\u00e9 de ne pas prendre d\u2019assurance, pensant que rien ne devrait vous arriver durant cette semaine.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par contre, pensez aux co\u00fbts des soins de sant\u00e9 \u00e0 payer s\u2019il vous arrivait quelque chose de banal. Une simple visite \u00e0 l\u2019urgence pourrait vous co\u00fbter des milliers de dollars, et ce, sans m\u00eame \u00eatre hospitalis\u00e9.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il en va de m\u00eame pour l\u2019assurance responsabilit\u00e9. Si vous \u00eates reconnu comme responsable d\u2019un sinistre dans votre appartement, vous devrez payer les co\u00fbts de r\u00e9paration. Si l\u2019on parle de travaux majeurs, vous risquez de vous retrouver avec des dettes importantes.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c0 l\u2019oppos\u00e9, certaines choses pourraient ne pas valoir la peine d\u2019\u00eatre assur\u00e9es. Par exemple, peut-\u00eatre avez-vous un ordinateur portable qui vous sert pour votre travail et votre vie personnelle. Il pourrait \u00eatre tentant de prendre une assurance.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par contre, il pourrait \u00eatre plus simple de mettre de l\u2019argent de c\u00f4t\u00e9 chaque mois, comme pour un petit fond d\u2019urgence. En cas de bris, vous pourrez utiliser ces fonds, quitte \u00e0 <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">compenser avec un pr\u00eat rapide<\/span><\/a><span data-contrast=\"auto\"> si vous n\u2019avez pas le montant n\u00e9cessaire. Si aucun probl\u00e8me ne survient, vous pourrez garder l\u2019argent\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En bref, avant de souscrire \u00e0 une assurance, renseignez-vous sur le co\u00fbt r\u00e9el de remplacement du bien assur\u00e9 ou des services dont vous auriez besoin en cas de probl\u00e8mes.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">3. V\u00e9rifier le co\u00fbt des primes<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Chaque assurance est diff\u00e9rente et aura un prix diff\u00e9rent. Une foule de facteurs entrent en compte. Assurez-vous que vous pouvez vous permettre d\u2019ajouter cette d\u00e9pense r\u00e9guli\u00e8re \u00e0 votre budget.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">4. Choisir le fournisseur<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Selon votre situation, vous trouverez plusieurs fournisseurs d\u2019assurances diff\u00e9rents. Pratiquement toutes les institutions financi\u00e8res ont un service d\u2019assurance associ\u00e9, en plus de certaines entreprises qui ne font que dans l\u2019assurance. Des assurances peuvent aussi \u00eatre offertes comme avantages avec certaines cartes de cr\u00e9dit. Comme pour toutes entreprises, il y a des <\/span><a href=\"https:\/\/www.protegez-vous.ca\/argent\/assurances-auto-habitation\"><span data-contrast=\"none\">fournisseurs d\u2019assurances qui sont plus int\u00e9ressants<\/span><\/a><span data-contrast=\"auto\"> que d\u2019autres pour les consommateurs.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">V\u00e9rifiez \u00e9galement aupr\u00e8s de votre employeur ou de quelconque association dont vous seriez membre. Il est possible que vous payiez d\u00e9j\u00e0 une cotisation \u00e0 une assurance collective.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">5. V\u00e9rifier ce qui est couvert<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Chaque police d\u2019assurance aura des inclusions et des exclusions. En effet, m\u00eame si l\u2019on ach\u00e8te une assurance habitation, cela ne signifie pas forc\u00e9ment que notre maison est prot\u00e9g\u00e9e dans absolument tous les cas. Il faut donc prendre le temps de bien lire tous ces d\u00e9tails dans le contrat d\u2019assurance.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, certaines polices d\u2019assurance voyage ne couvrent les frais de sant\u00e9 que jusqu\u2019\u00e0 un certain \u00e2ge. C\u2019est aussi le cas pour certaines conditions pr\u00e9existantes. Certaines polices ne vous prot\u00e8geront pas si l\u2019incident est caus\u00e9 par votre propre n\u00e9gligence.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">6. V\u00e9rifier le processus de r\u00e9clamation<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Cela peut sembler \u00eatre un d\u00e9tail insignifiant, mais le processus de r\u00e9clamation est aussi \u00e0 prendre en compte. Selon la police, le processus sera plus ou moins laborieux. De nos jours, il est g\u00e9n\u00e9ralement possible de faire des r\u00e9clamations enti\u00e8rement en ligne, mais ce n\u2019est pas toujours le cas.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, pour les soins de sant\u00e9, une police d\u2019assurance pourrait exiger un papier du m\u00e9decin pour couvrir les soins de physioth\u00e9rapie, mais pas ceux d\u2019ost\u00e9opathie.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">7. V\u00e9rifier le processus de r\u00e9siliation<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vos conditions de vie changent, vous voudrez probablement changer vos polices d\u2019assurance en cons\u00e9quence. Parfois, vous pourrez faire affaire directement avec l\u2019entreprise pour modifier votre contrat, surtout si vous devez augmenter vos primes. Par contre, vous devrez peut-\u00eatre plut\u00f4t r\u00e9silier compl\u00e8tement votre contrat. Avant de signer, il est donc important de conna\u00eetre le processus pour r\u00e9silier votre contrat, afin de ne pas avoir de mauvaises surprises.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">8. Oser n\u00e9gocier<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comme les polices d\u2019assurance sont pratiquement toujours ajust\u00e9es au cas par cas, il vaut vraiment la peine de n\u00e9gocier. Vous ne pourrez peut-\u00eatre pas n\u00e9gocier un meilleur prix pour votre prime, mais vous pourriez recevoir des couvertures suppl\u00e9mentaires. V\u00e9rifiez \u00e9galement si vous pouvez payer un montant annuel qui vous reviendrait moins cher que le paiement mensuel. En connaissant le prix des polices d\u2019assurance des comp\u00e9titeurs, vous serez bien arm\u00e9 pour n\u00e9gocier.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous vous sentez submerg\u00e9 \u00e0 l\u2019id\u00e9e de vous magasiner des assurances, n\u2019h\u00e9sitez pas \u00e0 demander de l\u2019aide. Il y a probablement quelqu\u2019un parmi vos proches qui pourrait vous soutenir. Il existe \u00e9galement de nombreuses ressources en ligne. Vous pourriez aussi faire affaire avec un courtier en assurances.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si jamais un incident se produit et que vous n\u2019\u00eates pas couvert, sachez que <\/span><a href=\"https:\/\/www.argentmaintenant.com\/fonctionnement\/\"><span data-contrast=\"none\">nos services de pr\u00eats en ligne<\/span><\/a><span data-contrast=\"auto\"> vous permettront d\u2019avoir votre argent rapidement afin de vous sortir du p\u00e9trin.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Peu importe le type de consommateur que vous \u00eates ou votre style de vie, un jour ou l\u2019autre, vous aurez [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,10],"tags":[],"class_list":["post-995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget","category-ressources"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment magasiner ses assurances\u2009?<\/title>\n<meta name=\"description\" content=\"Vu la gamme d\u2019assurances disponibles, c\u2019est facile de s\u2019y perdre. 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