Auto insurance tips and advice

Hiring an auto insurance is not easy, since many factors are involved such as coverage, by the type of vehicle, age of the same among others.

Thinking about this problem below, we give you basic tips that you should consider at the time of taking out insurance.    TIP 1- How do you use your car?

If your car has a lot of use, we recommend looking for Full Third Party covers with several additional ones (such as glass and side windows), or an All Risk. For example: If you drive your car every day, you will clearly be more exposed than if you go for a walk only on weekends, and for example it is key to choose between the coverage of total destruction by accident of 20 or 80.

TIP 2- Where do you usually keep your vehicle?
Coverage of hail damage, or damage due to total theft, are examples of coverages to consider if your car "sleeps on the street", or instead of garage you have a "car entry". For the car that has to spend the night in the street, they use a lot of coverage like that, or like side windows, or theft of tires. That is, do not look only at the main coverage of auto insurance, look for additional coverages that can be useful according to where you keep your car.

TIP 3- Where do you usually circulate with your car?
The highway is not the same as a rural area, an avenue, or a common street. If you are walking in rural areas, again, it serves to have a good coverage of hail, and if you are walking a lot in central areas and highways, you should know that there is something called CLEAS that makes things much easier when shock, because if your insurer and the one you crashed belong to CLEAS, the liquidation of the accident is simplified enough.

TIP 4- How old is your car and what coverage do you currently have?
If you have a car of 6 or more years and have an All Risk Insurance from 0 km, keep in mind that it may not be so easy to get the same coverage now that it is used. The same if you have a complete Third Party Insurance, of a car that is now more than 10 years old. Why is this happening? Because the insurers give certain coverage according to the age of the car, and if the policy remains in force, there is a good chance that they will keep said coverage, even if they exceed seniority.

TIP 5- What things do you usually carry in the car?
Let's review: Lenses, CDs or MP3, a perfume, the gym bag, a charger for the phone, cosmetics, GPS. Think that many of those things can be covered by the 'Content Theft' coverage. Not all companies offer it, but if you are making your car your second home, you should consult the cost of this coverage.  TIP 6What fuel do you use?If your car has CNG equipment, it is definitely a factor that you have to consider, since the first offer that you only receive in terms of auto insurance, is not intended for CNG cars (except for those that come from the factory), with which you have to clarify to the insurer the fuel of your car, and secure the CNG equipment in case of having it.

TIP 7- Do you have accessories that are not from the factory?
If you have different tires than the original ones, or you incorporated an air conditioner that you did not bring, or whatever you liked to add, you can ensure it as an accessory, and automatically have the same coverage as the rest of the vehicle. If you do not do it, keep in mind that the company will ensure it as it left the factory.

TIP 8- What care do you give your car?
If you have different tires than the original ones, or you incorporated an air conditioner that you did not bring, or whatever you liked to add, you can ensure it as an accessory, and automatically have the same coverage as the rest of the vehicle. If you do not do it, keep in mind that the company will ensure it as it left the factory.

TIP 9- How much do you want to pay for your car insurance?
In terms of insurance for cars, the prices of insurers are very different, are those that privilege the insurance for 0 km, or those that specifically target used cars up to 5 years old. Do not stay with a quote, if you are clear about your budget and want to compare, you can quote online in several leading companies at the same time and in a few steps

TIP 10- Compare coverages and prices
I defended your pocket, but also thought for a moment that when you need your auto insurance, the covers should match what you really need to cover your insurer. And if you have concerns, a consultant can call you, and in a few minutes clear all your doubts about the car insurance that best fits your budget.