{"id":19405,"date":"2025-02-19T09:29:33","date_gmt":"2025-02-19T08:29:33","guid":{"rendered":"https:\/\/www.avatacar.com\/blog\/?p=19405"},"modified":"2026-02-27T11:12:54","modified_gmt":"2026-02-27T10:12:54","slug":"assurance-auto-pas-chere-quelles-garanties-conserver","status":"publish","type":"post","link":"https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-pas-chere-quelles-garanties-conserver\/","title":{"rendered":"Assurance auto pas ch\u00e8re : quelles garanties conserver ?"},"content":{"rendered":"<div  class='flex_column av-zxxrzh-5cf92155731e12a2e624281d8038f725 av_one_full  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  first flex_column_div  '     ><div  class='avia-slideshow av-m7bms7bi-2584c9fcf6757a290857ee6b11b82a66 avia-slideshow-featured av_slideshow avia-slide-slider  avia-builder-el-1  avia-builder-el-no-sibling  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 54.70737913486%;'><li  class='avia-slideshow-slide av-m7bms7bi-2584c9fcf6757a290857ee6b11b82a66__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><div class='av-slideshow-caption av-m7bms7bi-2584c9fcf6757a290857ee6b11b82a66__0 avia-caption'><div class=\"avia-inner-caption\"><h1 class='avia-caption-title '  itemprop=\"name\" >Assurance auto pas ch\u00e8re : quelles garanties conserver ?<\/h1><\/div><\/div><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-19406 avia-img-lazy-loading-not-19406\"  src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Assurance-auto-pas-chere-786x430.png\" width=\"786\" height=\"430\" title='Assurance auto pas chere' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div>\n<div  class='flex_column av-y7az59-63f1f6913d4e8c59094b1625069c5cd3 av_one_full  avia-builder-el-2  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bmsr3x-47658eb830b275d63e1950ffd2ae0edd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Pour de nombreux automobilistes, il est primordial de souscrire une <strong>assurance auto<\/strong> \u00e0 un prix abordable. Parmi les nombreuses offres disponibles sur le march\u00e9, il est important de souscrire \u00e0 une assurance qui correspond \u00e0 vos besoins sans n\u00e9gliger la qualit\u00e9 de la couverture.<\/p>\n<p>Avatacar vous guide pour faire le bon choix et vous aide \u00e0 maintenir une protection suffisante tout en limitant les co\u00fbts.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-8ss5yx9-af3dcc8e1c14cde0c9880db9482f092f av_one_full  avia-builder-el-4  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bmtw7t-fdb1b236eb28f3ee488f8c32af43fca7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/www.avatacar.com\/revision.htm\"><img loading=\"lazy\" decoding=\"async\" class=\"avatacar_tracking_banner alignnone wp-image-18391 \" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut-300x37.jpg\" alt=\"\" width=\"1541\" height=\"190\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut-300x37.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut.jpg 697w\" sizes=\"auto, (max-width: 1541px) 100vw, 1541px\" \/><\/a><\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-av_one_full-ffd32c5c0f45105b246d723872274e0c av_one_full  avia-builder-el-6  el_after_av_one_full  el_before_av_hr  first flex_column_div  column-top-margin'     ><\/div><div  class='hr av-8pnegy5-b4c4840d1a45bb66db2ce40348855c31 hr-default  avia-builder-el-8  el_after_av_one_full  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-87au19p-ca865436b0f87040e633d0ad1e276a87 av_one_half  avia-builder-el-9  el_after_av_hr  el_before_av_hr  first flex_column_div  '     ><section  class='av_textblock_section av-m7bmy1kc-6ee2a033de7738c09adb593f6444f742 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 24px; font-weight: bold; color: #333333;\">SOMMAIRE<\/span><\/p>\n<ul>\n<li><a href=\"#AssuranceAutoPasCher\">Assurer sa voiture pour pas cher : comment choisir les bonnes garanties ?<\/a><\/li>\n<li><a href=\"#ChoixAssurance\">Quelle assurance choisir pour payer moins cher ?<\/a><\/li>\n<li><a href=\"#GarantiesAssurance\">Comment ajuster les garanties pour r\u00e9duire le co\u00fbt ?<\/a><\/li>\n<li><a href=\"#AssuranceAutoPieges\">Les pi\u00e8ges \u00e0 \u00e9viter dans une assurance auto pas ch\u00e8re<\/a><\/li>\n<li><a href=\"#EconomiesAssuranceAuto\">Comment faire des \u00e9conomies sur votre assurance auto ? <\/a><\/li>\n<\/ul>\n<\/div><\/section><\/div>\n<div  class='hr av-7fbtgod-964b0bf490c116af35e1db7e3c8e68d4 hr-default  avia-builder-el-11  el_after_av_one_half  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-71kpe0d-04eb8a7862d62c00c204ab52eab94639 av_one_full  avia-builder-el-12  el_after_av_hr  el_before_av_one_full  first flex_column_div  '     ><section  class='av_textblock_section av-m7bn00n9-0084fece1c9e44ca161bc85cf09d0770 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"AssuranceAutoPasCher\" style=\"text-align: left;\"><strong>Assurer sa voiture pour pas cher : comment choisir les bonnes garanties ?<\/strong><\/h2>\n<\/div><\/section><\/div>\n<div  class='flex_column av-6r4uft9-5b0c5e58bd7a5a556ea4c9122e3b6a5f av_one_full  avia-builder-el-14  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn0atm-9b721d353de7303bd7edf89b7d9ecd0b '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Il peut \u00eatre tentant de souscrire \u00e0 l\u2019<strong>assurance automobile <\/strong>la moins ch\u00e8re, n\u00e9anmoins il est important de bien comprendre les garanties propos\u00e9es par les <strong>assureurs<\/strong>.<\/p>\n<p><a href=\"https:\/\/leocare.eu\/fr\/assurance-auto-en-ligne\/pas-cher\/\">Assurer sa voiture pour pas cher<\/a> ne signifie pas opter pour une couverture minimale mais plut\u00f4t trouver le bon compris entre les garanties n\u00e9cessaires et les options que vous pouvez r\u00e9duire ou supprimer.<\/p>\n<p>Il est important de tenir compte de vos besoins, de l\u2019usage de votre v\u00e9hicule, de votre profil conducteur ainsi que des risques auxquels vous \u00eates expos\u00e9s.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-6bg92ul-c03f9e3096c0847342983b85242fb91a av_one_full  avia-builder-el-16  el_after_av_one_full  el_before_av_one_fourth  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn0qja-88f15e325135bbd1774d9fb67961f897 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"ChoixAssurance\" style=\"text-align: left;\"><strong>Quelle assurance choisir pour payer moins cher ?<\/strong><\/h2>\n<\/div><\/section><\/div>\n<div  class='flex_column av-5t9vjv1-4b5790c6df886f2766d9a5ff14a714ef av_one_fourth  avia-builder-el-18  el_after_av_one_full  el_before_av_three_fourth  first flex_column_div  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7bn1ujr-05d626d5f2e0002d70abe9b21fdc4573\">\n.avia-image-container.av-m7bn1ujr-05d626d5f2e0002d70abe9b21fdc4573 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-m7bn1ujr-05d626d5f2e0002d70abe9b21fdc4573 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-m7bn1ujr-05d626d5f2e0002d70abe9b21fdc4573 av-styling- avia-align-center  avia-builder-el-19  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-19407 avia-img-lazy-loading-not-19407 avia_image ' src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-300x217.jpg\" alt='' title='Close up smached cars on a road.'  height=\"217\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-300x217.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-1030x746.jpg 1030w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-768x556.jpg 768w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-1536x1112.jpg 1536w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-2048x1482.jpg 2048w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-1500x1086.jpg 1500w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/02\/Accident-voiture-705x510.jpg 705w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div>\n<div  class='flex_column av-55z1xnx-9fdd9b293c1feafe295e934600616e03 av_three_fourth  avia-builder-el-20  el_after_av_one_fourth  el_before_av_one_full  flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn22tz-77b70419f7d9a31e78fab629a3f251b3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>En France, il est obligatoire de souscrire une assurance automobile en responsabilit\u00e9 civile, g\u00e9n\u00e9ralement sous forme d\u2019<strong>assurance au tiers<\/strong>. Cette couverture de base prend en charge les dommages caus\u00e9s \u00e0 autrui en cas d\u2019accident o\u00f9 vous \u00eates responsable.<\/p>\n<p>L\u2019assurance au tiers est plus abordable qu\u2019une <strong>assurance tous risques<\/strong> et convient particuli\u00e8rement aux v\u00e9hicules de faible valeur, comme les voitures d\u2019occasion de plus de 7 ans. Toutefois, en cas de sinistre responsable, les r\u00e9parations ou le remplacement du v\u00e9hicule seront \u00e0 votre charge, ce qui peut entra\u00eener une lourde charge financi\u00e8re.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-5010lot-b67c6c323fb522133e609c96e95253f7 av_one_full  avia-builder-el-22  el_after_av_three_fourth  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn2riw-bfcf5b53eaf4c103af00eaa1740458d6 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"GarantiesAssurance\" style=\"text-align: left;\"><strong>Comment ajuster les garanties pour r\u00e9duire le co\u00fbt ?<\/strong><\/h2>\n<p>Il est tout \u00e0 fait possible de r\u00e9duire le montant de votre contrat d\u2019assurance tout en conservant des garanties essentielles. Voici ce que vous pouvez ajuster :<br \/>\n\u2022 R\u00e9duire les garanties non essentielles : Dans le cas o\u00f9 vous conduisez un v\u00e9hicule ancien ou de faible valeur, vous pouvez renoncer \u00e0 certaines couvertures comme l\u2019incendie ou le vol. La suppression de ces garanties permet de r\u00e9duire le co\u00fbt de l\u2019assurance sans compromettre votre s\u00e9curit\u00e9 sur la route.<br \/>\n\u2022 Les options flexibles : Certaines assurances proposent des franchises modulables. En augmentant la franchise, vous pouvez r\u00e9duire la prime d\u2019assurance. Attention cependant \u00e0 bien \u00e9valuer votre capacit\u00e9 \u00e0 supporter cette franchise en cas de sinistre.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-4e40ytp-9d4cf6f130ca1093518f733bb2ae1d30 av_one_full  avia-builder-el-24  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn3gf0-ceecbb77cd9d797294559f4f4268cbf7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"AssuranceAutoPieges\" style=\"text-align: left;\"><strong>Les pi\u00e8ges \u00e0 \u00e9viter dans une assurance auto pas ch\u00e8re<\/strong><\/h2>\n<p>Lorsque vous \u00eates \u00e0 la recherche d\u2019une assurance auto pas cher, soyez vigilant sur plusieurs points\u00a0:<\/p>\n<ul>\n<li><strong>Les exclusions de garantie\u00a0:<\/strong> Certaines assurances automobiles proposent des couvertures minimales mais excluent des situations courantes, comme les dommages caus\u00e9s par un conducteur non assur\u00e9.<\/li>\n<\/ul>\n<p>Lisez attentivement votre contrat pour \u00e9viter les mauvaises surprises.<\/p>\n<ul>\n<li><strong>Les frais cach\u00e9s\u00a0:<\/strong> Certains assureurs peuvent inclure des frais non sp\u00e9cifi\u00e9s au d\u00e9part, tels que les frais de gestion, les frais de dossier ou encore les frais de r\u00e9siliation.<\/li>\n<\/ul>\n<p>Assurez-vous de bien comprendre tous les co\u00fbts li\u00e9s \u00e0 votre contrat.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-3v8pdl9-84a957f7da91c625b44799502ea91225 av_one_full  avia-builder-el-26  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn44gf-a345f3b4c84c92ac317aca4ab2ac711e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"EconomiesAssuranceAuto\" style=\"text-align: left;\"><strong>Comment faire des \u00e9conomies sur votre assurance auto ?<\/strong><\/h2>\n<p>Faire des \u00e9conomies sur son assurance auto sans sacrifier la qualit\u00e9 de sa couverture auto est tout \u00e0 fait possible. Voici nos conseils\u00a0:<\/p>\n<ul>\n<li><strong>Comparer les diff\u00e9rentes offres en ligne<\/strong>: Utilisez des comparateurs d\u2019assurances pour trouver l\u2019offre la plus adapt\u00e9es \u00e0 votre profil et \u00e0 vos besoins.<\/li>\n<li><strong>Privil\u00e9giez une assurance en ligne<\/strong>: Les assurances en ligne proposent souvent des tarifs avantageux gr\u00e2ce \u00e0 des solutions connect\u00e9es, adapt\u00e9es \u00e0 votre style de conduite et \u00e0 vos besoins.<\/li>\n<li><strong>Profitez de la loi Hamon\u00a0: <\/strong>La loi Hamon permet de r\u00e9silier son assurance auto \u00e0 tout moment, sans frais, apr\u00e8s la premi\u00e8re ann\u00e9e. Il est de ce fait plus facile de changer d\u2019assurance pour b\u00e9n\u00e9ficier des tarifs les plus avantageux.<\/li>\n<\/ul>\n<\/div><\/section><\/div>\n<div  class='flex_column av-3io5sod-f9b04bfd806799949b545124fb8d1d27 av_one_full  avia-builder-el-28  el_after_av_one_full  el_before_av_hr  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bn4ivp-741eb5bdf3b733b98e4d6c447f7399e2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/www.avatacar.com\/garage.htm\"><img loading=\"lazy\" decoding=\"async\" class=\"avatacar_tracking_banner alignnone wp-image-18467 \" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2021\/05\/bannieregarage_positionbas-300x69.jpg\" alt=\"\" width=\"2429\" height=\"558\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2021\/05\/bannieregarage_positionbas-300x69.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2021\/05\/bannieregarage_positionbas.jpg 568w\" sizes=\"auto, (max-width: 2429px) 100vw, 2429px\" \/><\/a><\/p>\n<\/div><\/section><\/div>\n<div  class='hr av-2gku30t-ccd682a8218b1483a71cebfff4dbf0e9 hr-default  avia-builder-el-30  el_after_av_one_full  el_before_av_section  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1\">\n.avia-section.av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1{\nbackground-color:#f2f2f2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1 main_color avia-section-default avia-no-border-styling  avia-builder-el-31  el_after_av_hr  el_before_av_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-19405'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-2yj8ei5-4c51032792b4fbdf79cb2d2dc80a4f5d av_one_full  avia-builder-el-32  avia-builder-el-no-sibling  first flex_column_div  '     ><p><section  class='av_textblock_section av-m7bnfnlj-95fc20ea4edf173aa3b86915a97684a6 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 24px;\">Vous aimerez peut-\u00eatre &#8230;<\/span><\/p>\n<\/div><\/section><br \/>\n<div  data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:&quot;5&quot;,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;show_slide_delay&quot;:90}\" class='avia-content-slider avia-content-slider-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-34  el_after_av_textblock  avia-builder-el-last  av-slideshow-ui av-control-default   av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-22817 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/rouler-sans-assurance-quels-risques-et-quelles-sanctions-concretes\/' data-rel='slide-1' class='slide-image' title='Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-495x400.jpg\" class=\"wp-image-22818 avia-img-lazy-loading-not-22818 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-495x400.jpg 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-845x684.jpg 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/rouler-sans-assurance-quels-risques-et-quelles-sanctions-concretes\/' title='Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?'>Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>767<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1318<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Morgane<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Morgane<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-02-19T09:29:33+01:00\" >2026-03-20 09:30:35<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-20 09:31:49<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-22216 slide-entry-overview slide-loop-2 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-pas-chere-mythe-ou-vraie-opportunite\/' data-rel='slide-1' class='slide-image' title='Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-495x400.png\" class=\"wp-image-22217 avia-img-lazy-loading-not-22217 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-495x400.png 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-845x684.png 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-pas-chere-mythe-ou-vraie-opportunite\/' title='Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?'>Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-scaled.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1396<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Joe Croft<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Joe Croft<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-02-19T09:29:33+01:00\" >2026-02-24 17:49:14<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-20 09:32:25<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-21922 slide-entry-overview slide-loop-3 slide-parity-odd  post-entry-last  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-tous-risques-ou-au-tiers-que-choisir\/' data-rel='slide-1' class='slide-image' title='Assurance auto tous risques ou au tiers : que choisir ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-495x400.png\" class=\"wp-image-21923 avia-img-lazy-loading-not-21923 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-495x400.png 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-845x684.png 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Assurance auto tous risques ou au tiers : que choisir ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-tous-risques-ou-au-tiers-que-choisir\/' title='Assurance auto tous risques ou au tiers : que choisir ?'>Assurance auto tous risques ou au tiers : que choisir ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1024<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1536<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Chlo\u00e9 d'Avatacar<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Chlo\u00e9 d'Avatacar<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-02-19T09:29:33+01:00\" >2025-11-05 15:06:35<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-02-16 17:28:48<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Assurance auto tous risques ou au tiers : que choisir ?<\/span><\/span><\/span><\/article><\/div><\/div><\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2'  class='avia-section av-25f4x65-24a0d4dce1d5653a8591dc1912a0b2e1 main_color avia-section-default avia-no-border-styling  avia-builder-el-35  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-19405'><div class='entry-content-wrapper clearfix'>\n<section  class='av_textblock_section av-m7bngsvo-d82efe5b36a0129f9eac4df487f367ba '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 24px;\">\u00c0 propos de l&rsquo;auteur<\/span><\/p>\n<\/div><\/section>\n<div  class='flex_column av-64ry31-4f6ee79bacd7873d4059c6485e7e91d0 av_one_fifth  avia-builder-el-37  el_after_av_textblock  el_before_av_four_fifth  first flex_column_div  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e\">\n.avia-image-container.av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e av-styling- avia-align-center  avia-builder-el-38  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-14260 avia-img-lazy-loading-not-14260 avia_image ' src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-300x300.jpg\" alt='Chlo\u00e9 d&#039;Avatacar' title='ChloeAvatacar'  height=\"300\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-300x300.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-80x80.jpg 80w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-36x36.jpg 36w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-180x180.jpg 180w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar.jpg 601w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><div  class='flex_column av-13asrsd-c033dbec08c18a936f5ded40aa74342b av_four_fifth  avia-builder-el-39  el_after_av_one_fifth  avia-builder-el-last  flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bnhura-af29777639dc4f4a7837c275f82d8b35 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>Chlo\u00e9 d&rsquo;Avatacar<\/strong><br \/>\nPassionn\u00e9e par le monde automobile, Chlo\u00e9 partage avec vous les principales actus auto, toutes les nouvelles informations qui peuvent toucher de pr\u00e8s ou de loin les conducteurs et des articles d\u00e9di\u00e9s \u00e0 l&rsquo;entretien de votre voiture pour apprendre de mani\u00e8re simple son fonctionnement ! Bonne lecture<\/p>\n<\/div><\/section><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":19406,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1098],"tags":[],"class_list":["post-19405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance auto pas ch\u00e8re : quelles garanties conserver ?<\/title>\n<meta name=\"description\" content=\"Pour de nombreux automobilistes, il est primordial de souscrire une assurance auto \u00e0 un prix abordable. 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