{"id":363981,"date":"2025-09-03T19:32:20","date_gmt":"2025-09-03T19:32:20","guid":{"rendered":"https:\/\/www.europesays.com\/fr\/363981\/"},"modified":"2025-09-03T19:32:20","modified_gmt":"2025-09-03T19:32:20","slug":"comment-reduire-la-facture-sans-zapper-lassurance","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/fr\/363981\/","title":{"rendered":"comment r\u00e9duire la facture sans zapper l\u2019assurance ?"},"content":{"rendered":"<p>              <img decoding=\"async\" class=\"article-author__picture webp\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/06\/eglantine-tamet.png.webp\" alt=\"Eglantine Tamet\"\/><\/p>\n<p class=\"article-author__info--name\"> Par<br \/>\n                      <a href=\"https:\/\/selectra.info\/equipe\/eglantine-tamet\" target=\"_blank\" rel=\"noopener author nofollow\"> Eglantine Tamet <\/a><\/p>\n<p class=\"article-author__info--description\"> Sp\u00e9cialiste Assurance Habitation et Assurance Emprunteur <\/p>\n<p>        Publi\u00e9 le<\/p>\n<p>                                03\/09\/2025<\/p>\n<p>            min de lecture\n        <\/p>\n<p class=\"intro\">Selon une \u00e9tude de Leocare, 74\u00a0% des Fran\u00e7ais estiment que la voiture est devenue un luxe, alors m\u00eame que plus d\u2019un sur deux dit ne pas pouvoir s\u2019en passer. Entre un budget auto qui engloutit jusqu\u2019\u00e0 trois mois de salaire par an et des co\u00fbts d\u2019entretien qui explosent, de nombreux conducteurs cherchent \u00e0 all\u00e9ger la note. L\u2019assurance appara\u00eet alors comme le seul poste sur lequel il est encore possible d\u2019agir sans renoncer \u00e0 sa mobilit\u00e9.<\/p>\n<p>74\u00a0% des Fran\u00e7ais estiment que la voiture est d\u00e9sormais un bien de luxe, r\u00e9v\u00e8le une \u00e9tude publi\u00e9e ce mercredi 3 septembre par l\u2019<a href=\"https:\/\/selectra.info\/assurance\/assureurs\/leocare\" rel=\"nofollow noopener\" target=\"_blank\">assureur Leocare<\/a>. Un constat paradoxal, car dans le m\u00eame temps, <strong>63\u00a0% jugent la voiture indispensable<\/strong> et <strong>54\u00a0% d\u00e9clarent ne pas pouvoir s\u2019en passer au quotidien<\/strong>.<\/p>\n<p>Aller travailler, faire ses courses, accompagner ses enfants \u00e0 l\u2019\u00e9cole ou encore se rendre \u00e0 un rendez-vous m\u00e9dical\u00a0: pour 36\u00a0% des sond\u00e9s, <strong>il n\u2019existe tout simplement aucune alternative cr\u00e9dible<\/strong>.<\/p>\n<p>Un paradoxe s\u2019installe\u00a0: la voiture est trop ch\u00e8re\u2026 mais impossible \u00e0 \u00e9viter. Entre achat, entretien, carburant et assurance, elle engloutit <strong>1 \u00e0 3 mois de salaire<\/strong> par an pour un m\u00e9nage au revenu m\u00e9dian (environ 2 000\u00a0\u20ac mensuels).<\/p>\n<p>Dans ce contexte, un seul poste de d\u00e9pense ressort comme v\u00e9ritable levier d\u2019\u00e9conomie\u00a0: <a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\" rel=\"nofollow noopener\" target=\"_blank\"><strong>l\u2019assurance auto<\/strong><\/a>.<\/p>\n<p>\ud83d\udcca L\u2019\u00e9tude Leocare\u00a0: quand voiture rime avec pr\u00e9carit\u00e9<\/p>\n<p>R\u00e9alis\u00e9e du 3 au 7 juillet 2025 aupr\u00e8s de 1 000 personnes repr\u00e9sentatives de la population fran\u00e7aise adulte, l\u2019\u00e9tude de Leocare met en lumi\u00e8re l\u2019ampleur du ph\u00e9nom\u00e8ne.<\/p>\n<ul class=\"list--check\">\n<li><strong>74\u00a0%<\/strong> des Fran\u00e7ais consid\u00e8rent la voiture comme un luxe.<\/li>\n<li><strong>50\u00a0%<\/strong> ont d\u00e9j\u00e0 renonc\u00e9 \u00e0 acheter ou \u00e0 remplacer un v\u00e9hicule faute de moyens.<\/li>\n<li><strong>62\u00a0%<\/strong> d\u00e9clarent que leur voiture repr\u00e9sente entre <strong>5\u00a0% et 20\u00a0%<\/strong> de leurs d\u00e9penses mensuelles.<\/li>\n<li><strong>20\u00a0%<\/strong> ont d\u00fb contracter <strong>un cr\u00e9dit<\/strong> pour payer une r\u00e9paration.<\/li>\n<li><strong>33\u00a0%<\/strong> des assur\u00e9s ont r\u00e9duit leurs garanties auto et <strong>1 sur 10 a carr\u00e9ment renonc\u00e9 \u00e0 s\u2019assurer<\/strong>, un comportement ill\u00e9gal mais r\u00e9v\u00e9lateur.<\/li>\n<\/ul>\n<p>Les postes de d\u00e9pense les plus lourds identifi\u00e9s par les sond\u00e9s sont\u00a0:<\/p>\n<ul class=\"list--custom\">\n<li class=\"b--arrow\"><strong>L\u2019entretien et les r\u00e9parations<\/strong> (36\u00a0% des sond\u00e9s)<\/li>\n<li class=\"b--arrow\"><strong>Le carburant<\/strong> (25\u00a0%)<\/li>\n<li class=\"b--arrow\"><strong>L\u2019achat, le financement<\/strong> (24\u00a0%)<\/li>\n<li class=\"b--arrow\"><strong>L\u2019assurance<\/strong> (11\u00a0%)<\/li>\n<li><strong>Le stationnement et le p\u00e9age<\/strong> (3\u00a0%)<\/li>\n<\/ul>\n<p>\ud83d\udc49 <strong>Conclusion<\/strong>\u00a0: <strong>l\u2019assurance est consid\u00e9r\u00e9e comme le poste de d\u00e9pense le plus contraignant par seulement 1 Fran\u00e7ais sur 10<\/strong>, mais c\u2019est souvent la seule variable d\u2019ajustement.<\/p>\n<p>\u00c7a pourrait vous int\u00e9resser \ud83d\udc40<\/p>\n<p>\ud83d\udee1\ufe0f Assurance auto\u00a0: le dernier levier d\u2019\u00e9conomie<\/p>\n<p>Face \u00e0 des frais fixes incompressibles (carburant, r\u00e9parations), de plus en plus d\u2019automobilistes choisissent de <strong>rogner sur leur assurance auto<\/strong>.<\/p>\n<ul class=\"list--check\">\n<li><strong>33\u00a0%<\/strong> ont d\u00e9j\u00e0 r\u00e9duit leurs garanties.<\/li>\n<li><strong>9\u00a0%<\/strong> ont renonc\u00e9 totalement \u00e0 leur assurance, avec tous les risques l\u00e9gaux et financiers que cela implique.<\/li>\n<li><strong>16\u00a0%<\/strong> ont d\u00e9j\u00e0 envisag\u00e9 de franchir le pas.<\/li>\n<\/ul>\n<p>Ces comportements traduisent une fracture silencieuse\u00a0: <strong>la voiture reste vitale mais son assurance devient inaccessible pour certains foyers<\/strong>. Autre enseignement de l\u2019\u00e9tude\u00a0: un <strong>d\u00e9calage entre prix per\u00e7u et prix r\u00e9el<\/strong>.<\/p>\n<ul class=\"list--custom\">\n<li class=\"b--arrow\"><strong>48\u00a0%<\/strong> estiment qu\u2019une assurance auto devrait raisonnablement co\u00fbter entre <strong>41 et 60\u00a0\u20ac par mois<\/strong>.<\/li>\n<li class=\"b--arrow\">Dans les faits, <strong>47\u00a0%<\/strong> paient effectivement dans cette fourchette.<\/li>\n<li class=\"b--arrow\">Mais <strong>30\u00a0%<\/strong> paient plus de 60\u00a0\u20ac, dont <strong>10\u00a0% plus de 80\u00a0\u20ac<\/strong>.<\/li>\n<\/ul>\n<p>Moralit\u00e9\u00a0: comparer les offres est devenu essentiel pour ne pas subir ce d\u00e9salignement entre budget esp\u00e9r\u00e9 et cotisation r\u00e9elle.<\/p>\n<p><a class=\"btn btn--primary btn--md btn--pill\" href=\"https:\/\/selectra.info\/comparateur-assurance-auto\" title=\"Comparateur assurance auto\" role=\"button\" target=\"blank\">\ud83d\udc49 Je compare les offres<\/a><\/p>\n<p>Bonne nouvelle\u00a0: il existe des solutions concr\u00e8tes pour <strong>r\u00e9duire son budget assurance<\/strong> sans forc\u00e9ment rogner sur les garanties.<\/p>\n<ul class=\"list--check\">\n<li>Comparer les assureurs\u00a0: les \u00e9carts de prix peuvent \u00eatre \u00e9normes, parfois du simple au double \u00e0 garanties \u00e9quivalentes. Les politiques tarifaires varient selon les compagnies, le profil du conducteur (\u00e2ge, bonus-malus, sinistres pass\u00e9s), la formule choisie (tiers, tous risques, etc) et la zone g\u00e9ographique.<\/li>\n<\/ul>\n<p><strong>Exemple<\/strong>\u00a0: certains assureurs en ligne proposent des formules tous risques \u00e0 moins de 40\u00a0\u20ac\/mois pour des conducteurs bonuss\u00e9s. \ud83d\udc47<\/p>\n<p class=\"table__legend\">\n            Le signe \u00a0 \u00a0\u00e0 c\u00f4t\u00e9 du num\u00e9ro indique que l&rsquo;assureur est partenaire de Selectra.\n          <\/p>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/direct-assurance\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/07\/direct-assurance-xs.png\" alt=\"Direct Assurance\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers maxi<\/strong>\u00a0: 11.78\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous risques<\/strong>\u00a0: 14.13\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous risques maxi<\/strong>\u00a0: 23.3\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,5 <\/p>\n<p class=\"stars-fixed-values__source\">8.7k avis sur Opinion Assurances<\/p>\n<p class=\"stars-fixed-values__body-title\"> 4,1 <\/p>\n<p class=\"stars-fixed-values__source\">3.7k avis sur Trustpilot<\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,8 <\/p>\n<p class=\"stars-fixed-values__source\">3.2k avis sur LesFurets.com<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/D-score.svg\" alt=\"Score D\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers maxi<br \/>\n                                                                                            Tous risques<br \/>\n                                                                                            Tous risques maxi<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Attentats Terrorisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Extension financi\u00e8re de l&rsquo;indemnisation du conducteur\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Cl\u00e9s perdues, bris\u00e9es ou vol\u00e9es\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Assistance 0 km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 50km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Contenu du v\u00e9hicule\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Rachat de franchise\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/axa\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/09\/axa-xs.png\" alt=\"Axa\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers Essentielle<\/strong>\u00a0: 14.74\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers \u00c9tendue<\/strong>\u00a0: 17.19\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous Risques Essentielle<\/strong>\u00a0: 21.45\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 1,6 <\/p>\n<p class=\"stars-fixed-values__source\">1.1k avis sur OpinionAssurance<\/p>\n<p class=\"stars-fixed-values__body-title\"> 1,2 <\/p>\n<p class=\"stars-fixed-values__source\">674 avis sur Trustpilot<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/A-score.svg\" alt=\"Score A\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers Essentielle<br \/>\n                                                                                            Tiers \u00c9tendue<br \/>\n                                                                                            Tous Risques Essentielle<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Assistance automobile\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Attentats Terrorisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Valeur \u00e0 neuf de mobilier\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Protection Juridique\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/lovys\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/09\/lovys-xs.png\" alt=\"Lovys\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers<\/strong>\u00a0: 17.58\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers \u00c9tendu<\/strong>\u00a0: 21.08\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous risques<\/strong>\u00a0: 28.53\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 1,4 <\/p>\n<p class=\"stars-fixed-values__source\">95 avis sur OpinionAssurance<\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,5 <\/p>\n<p class=\"stars-fixed-values__source\">672 avis sur Trustpilot<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/A-score.svg\" alt=\"Score A\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers<br \/>\n                                                                                            Tiers \u00c9tendu<br \/>\n                                                                                            Tous risques<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Assistance 50km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 0 km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Protection juridique automobile\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Responsabilit\u00e9 civile remorque\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Contenu du v\u00e9hicule\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/flitter\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/09\/flitter-xs.png\" alt=\"Flitter\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers<\/strong>\u00a0: 17.67\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Confort<\/strong>\u00a0: 22.75\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous Risques<\/strong>\u00a0: 34.73\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 4,4 <\/p>\n<p class=\"stars-fixed-values__source\">1.4k avis sur Trustpilot<\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,3 <\/p>\n<p class=\"stars-fixed-values__source\">59 avis sur OpinionAssurance<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/E-score.svg\" alt=\"Score E\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers<br \/>\n                                                                                            Confort<br \/>\n                                                                                            Tous Risques<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u274c\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 0 km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/olivier-assurance\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/07\/olivier-assurance-xs.png\" alt=\"L'olivier Assurance\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <br \/><a class=\"btn btn--sm btn--secondary btn--outline\" href=\"https:\/\/selectra.info\/assurance\/selection\/olivier-assurance\/auto\" target=\"_blank\" rel=\"sponsored nofollow noopener\"><br \/>\n                                               \ud83d\udc49\u00a0Site L&rsquo;olivier Assurance<br \/>\n                                            <\/a><\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers Essentiel<\/strong>\u00a0: 19\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers Confort<\/strong>\u00a0: 23\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous risques<\/strong>\u00a0: 27\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,3 <\/p>\n<p class=\"stars-fixed-values__source\">6.1k avis sur Trustpilot<\/p>\n<p class=\"stars-fixed-values__body-title\"> 4,5 <\/p>\n<p class=\"stars-fixed-values__source\">26.3k avis sur OpinionAssurances<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/B-score.svg\" alt=\"Score B\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers Essentiel<br \/>\n                                                                                            Tiers Confort<br \/>\n                                                                                            Tous risques<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Assistance 50km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 0 km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Contenu du v\u00e9hicule\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Extension financi\u00e8re de l&rsquo;indemnisation du conducteur\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Valeur \u00e0 neuf de mobilier\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/april\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/09\/april-xs.png\" alt=\"April\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Mini<\/strong>\u00a0: 19.85\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Medium<\/strong>\u00a0: 26.66\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Maxi<\/strong>\u00a0: 40.65\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,8 <\/p>\n<p class=\"stars-fixed-values__source\">3.2k avis sur Opinion Assurances<\/p>\n<p class=\"stars-fixed-values__body-title\"> 1,7 <\/p>\n<p class=\"stars-fixed-values__source\">355 avis sur Trustpilot<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/D-score.svg\" alt=\"Score D\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Mini<br \/>\n                                                                                            Medium<br \/>\n                                                                                            Maxi<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Assistance\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Attentats Terrorisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<tr class=\"notice__wrapper border--secondary table-card-collapse table--v-center &#10;                        \">\n<td>\n<p>                              <a target=\"_blank\" href=\"https:\/\/selectra.info\/assurance\/assureurs\/ornikar\" rel=\"nofollow noopener\"><br \/>\n                                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/fr\/wp-content\/uploads\/2025\/09\/ornikar-xs.png\" alt=\"Ornikar\" style=\"height:65px\" loading=\"lazy\"\/><br \/>\n                              <\/a><br \/>\n                              <br \/><a class=\"btn btn--sm btn--secondary btn--outline\" href=\"https:\/\/selectra.info\/assurance\/selection\/ornikar\/auto\" target=\"_blank\" rel=\"sponsored nofollow noopener\"><br \/>\n                                               \ud83d\udc49\u00a0Site Ornikar<br \/>\n                                            <\/a><\/p>\n<\/td>\n<td class=\"mobile-full-width\">\n<li class=\"b--arrow\">\n                                                                                                <strong>Tiers<\/strong>\u00a0: 20.03\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Interm\u00e9diaire<\/strong>\u00a0: 25.89\u20ac                                                                                        <\/li>\n<li class=\"b--arrow\">\n                                                                                                <strong>Tous risques <\/strong>\u00a0: 34.68\u20ac                                                                                        <\/li>\n<\/td>\n<td class=\"text--xs mobile-full-width\">\n<p><strong>Avis client<\/strong><\/p>\n<p class=\"stars-fixed-values__body-title\"> 3,5 <\/p>\n<p class=\"stars-fixed-values__source\">128 avis sur OpinionAssurances<\/p>\n<p class=\"stars-fixed-values__body-title\"> 4,3 <\/p>\n<p class=\"stars-fixed-values__source\">12.4k avis sur Trustpilot<\/p>\n<\/td>\n<td class=\"score-wrapper\">\n<p>                                <img decoding=\"async\" src=\"https:\/\/selectra.info\/themes\/custom\/agrippa\/img\/score\/A-score.svg\" alt=\"Score A\" loading=\"lazy\"\/><\/p>\n<\/td>\n<\/tr>\n<tr class=\"collapse-button collapse-button--secondary collapse-button--right border--secondary\">\n<td>\n<p>                               Voir les garanties<\/p>\n<p>                               Voir moins d&rsquo;informations\n                            <\/td>\n<\/tr>\n<tr class=\"collapse-content border--secondary\">\n<td>\n<tr class=\"table--secondary-light\">\n                                            Garanties<br \/>\n                                                                                            Tiers<br \/>\n                                                                                            Interm\u00e9diaire<br \/>\n                                                                                            Tous risques<br \/>\n                                                                                    <\/tr>\n<tr class=\"\">\n<td>\n                                              Garanties obligatoires<\/p>\n<\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<td class=\"text-center\">\n                                                  \u2714\ufe0f\n                                              <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Extension financi\u00e8re de l&rsquo;indemnisation du conducteur\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 30km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  V\u00e9hicule de remplacement\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Assistance 0 km\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Pr\u00eat de volant\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Bris de vitres\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Vol et Vandalisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Incendie et explosion\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Catastrophes Naturelles et Technologiques\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"\">\n<td>\n                                                  Attentats Terrorisme\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<tr class=\"table--secondary-light\">\n<td>\n                                                  Dommages tous accidents\n                                              <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u274c\n                                                  <\/td>\n<td class=\"text-center\">\n                                                      \u2714\ufe0f\n                                                  <\/td>\n<\/tr>\n<\/td>\n<\/tr>\n<p class=\"table__legend\">Description du profil utilis\u00e9 pour les devis r\u00e9alis\u00e9s en 2025\u00a0: Profil: Homme de 50 ans, \u00c0 Nantes , Clio 3 &#8211; ess. &#8211; 2012, Aliz\u00e9 1.2 16CV 5CV, Assur\u00e9 depuis 35 ans, parking collectif couvert, 0,50 de bonus depuis plus de 20 ans, 0 sinistre, Trajets mixtes, 12 000km.<\/p>\n<p class=\"table__legend\">S\u00e9lection d\u2019assureurs parmi nos assureurs partenaires (liste non exhaustive).<\/p>\n<p class=\"table__legend\">\n                                                    Classement des offres d\u2019assurance auto selon le prix croissant pour la formule la plus faible.<br \/>\n                                                                         \tLes prix et les garanties affich\u00e9es sont ceux de la formule<br \/>\n                              la plus basse.\n                                             <\/p>\n<p class=\"table__legend\"><a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\" target=\"_blank\" rel=\"nofollow noopener\">En savoir plus sur les meilleures assurance auto pour Bonuss\u00e9<\/a><\/p>\n<ul class=\"list--check\">\n<li><strong>Adapter sa formule<\/strong>\u00a0: si vous roulez peu et que votre voiture reste souvent au garage, une <a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\/au-tiers\" rel=\"nofollow noopener\" target=\"_blank\"><strong>assurance au tiers<\/strong><\/a> ou une <a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\/au-kilometre\" rel=\"nofollow noopener\" target=\"_blank\"><strong>assurance au kilom\u00e8tre<\/strong><\/a> peut suffire.<\/li>\n<li><strong>Choisir une <\/strong><a href=\"https:\/\/selectra.info\/assurance\/comprendre\/franchise\" rel=\"nofollow noopener\" target=\"_blank\"><strong>franchise d\u2019assurance<\/strong><\/a><strong> plus \u00e9lev\u00e9e<\/strong>\u00a0: en acceptant de payer davantage en cas de sinistre, vous pouvez r\u00e9duire vos cotisations mensuelles.<\/li>\n<li><strong>Opter pour un paiement annuel<\/strong>\u00a0: beaucoup d\u2019assureurs appliquent une r\u00e9duction lorsqu\u2019on r\u00e8gle la prime en une fois plut\u00f4t qu\u2019en mensualit\u00e9s.<\/li>\n<li><strong>Privil\u00e9gier les assureurs sans frais de dossier<\/strong> et <strong>profiter des promotions<\/strong> (mois offerts, parrainage, r\u00e9ductions multi-contrats).<\/li>\n<li><strong>Regarder du c\u00f4t\u00e9 des n\u00e9o-assureurs<\/strong>\u00a0: souvent 100\u00a0% en ligne, ils sont plus comp\u00e9titifs car ils n\u2019ont pas \u00e0 supporter les frais d\u2019un r\u00e9seau d\u2019agences.<\/li>\n<\/ul>\n<p>Enfin, petit rappel essentiel\u00a0: depuis la <a href=\"https:\/\/selectra.info\/assurance\/comprendre\/loi-hamon\" rel=\"nofollow noopener\" target=\"_blank\"><strong>loi Hamon<\/strong><\/a>, vous pouvez <a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\/resiliation\" rel=\"nofollow noopener\" target=\"_blank\"><strong>r\u00e9silier votre assurance auto \u00e0 tout moment<\/strong><\/a><strong> apr\u00e8s un an de contrat<\/strong>, sans frais ni justificatif. Avant un an, certaines situations (d\u00e9m\u00e9nagement, changement de v\u00e9hicule, etc) permettent aussi de r\u00e9silier sans attendre.<\/p>\n<p>\u26a0\ufe0f Attention en revanche \u00e0 ne jamais <a href=\"https:\/\/selectra.info\/assurance\/assurance-auto\/conduire-sans-assurance\" rel=\"nofollow noopener\" target=\"_blank\">rouler sans assurance<\/a>\u00a0: en cas d\u2019accident, vous risquez non seulement une amende sal\u00e9e (jusqu\u2019\u00e0 3 750\u00a0\u20ac), mais surtout de devoir <strong>assumer seul les frais de dommages mat\u00e9riels et corporels<\/strong>.<\/p>\n<p>\u2705 \u00c0 retenir<\/p>\n<ul class=\"list--check\">\n<li><strong>La voiture co\u00fbte aujourd\u2019hui entre 1 et 3 mois de salaire par an<\/strong> pour un m\u00e9nage moyen.<\/li>\n<li>L\u2019assurance auto est le <strong>seul poste sur lequel les conducteurs peuvent r\u00e9ellement agir<\/strong>.<\/li>\n<li><strong>Comparer, adapter sa formule et profiter des n\u00e9o-assureurs<\/strong> permet de retrouver une couverture correcte \u00e0 un prix raisonnable (parfois moins de 40\u00a0\u20ac\/mois).<\/li>\n<li><strong>Rouler sans assurance n\u2019est jamais une solution<\/strong>\u00a0: mieux vaut une formule adapt\u00e9e que l\u2019absence totale de protection.<\/li>\n<\/ul>\n<p>      Avez-vous trouv\u00e9 cet article utile ?<\/p>\n<p>0% des 0 votes trouvent l&rsquo;information utile.<\/p>\n","protected":false},"excerpt":{"rendered":"Par Eglantine Tamet Sp\u00e9cialiste Assurance Habitation et Assurance Emprunteur Publi\u00e9 le 03\/09\/2025 min de lecture Selon une \u00e9tude&hellip;\n","protected":false},"author":2,"featured_media":363982,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[35,33,34,1011,27],"class_list":{"0":"post-363981","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economie","8":"tag-business","9":"tag-economie","10":"tag-economy","11":"tag-fr","12":"tag-france"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@fr\/115142037006883534","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/363981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/comments?post=363981"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/363981\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media\/363982"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media?parent=363981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/categories?post=363981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/tags?post=363981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}