Types of insurance for cars

Types of insurance for cars

When it comes to hiring car insurance, one of the main things we need to look at is about the coverages it includes. To help you choose the one that suits you the most, we do a quick review of the most common differences in car insurance policies.

To third parties, to third parties extended, to all risk, to all risk with franchise... Not all car insurance is the same. The market is full of different types of policies that offer varied coverages ranging from the basic ones that relate almost exclusively to the damages that may be caused to third parties in the event of an accident, until reaching those that even help and advise the driver in Specific circumstances such as the withdrawal of the card.

Depending on the type of policy contracted, the coverages vary in a very significant way, and with them also varies the price of the annual premium to pay for the car insurance. For example, policies with lower annual premiums are usually those for car insurance to third parties: they are the most basic and mainly cover the damage that the insured driver may cause to other drivers or vehicles. 

It is important to note that not all policies to third parties are the same: each insurer establishes its conditions and includes specific coverages to try to differentiate itself from the competition: roadside assistance, fines management, legal advice, by example, your most basic third party insurance policy includes travel assistance, as well as legal advice for loss of driver's license points, aspects that other companies only allow to hire as extras.

In general, insurance companies offer the possibility to supplement their car insurance policies to third parties with additional coverages. For example, it allows hiring extras such as roadside assistance, the free choice of workshop and the possibility of obtaining a replacement vehicle if the car is insured to suffer a claim that has it for a time in the workshop, or is stolen.

In addition, the insurance companies also offer the extended car insurance to third parties, which includes the basic coverages of any insurance policy to third parties, plus a series of extras that although they make a little more expensive the price of the premium, together they can represent An attractive option for those seeking a policy that also protects part of their interests and those of the insured car. 

On the other hand, car insurance at all risk are those that include the greatest amount of guarantees, which translates into a greater peace of mind for the policyholder, ie for whom he hires, although these coverages as it is logical are a higher premium. This type of insurance is usually recommended for new vehicles, since they protect practically all aspects related to the safety and care of the insured car. 

Franchised full-risk car insurance is a good choice for drivers who have a new or relatively new vehicle, and do not often suffer many claims per year. It is important to note that the franchise is pre-established with the insurance company and that it is a fixed amount that is agreed in advance. 

Given such a variety of options, and conditions, the ideal is to analyze very carefully what are the real needs we have when hiring insurance for our vehicle, evaluating aspects that go beyond the price of the premium and go to evaluate Our driving habits, experience in front of the wheel, and even if the car spends the night parked in the street or in a private garage. The key to buying smart is to compare, and hiring the ideal car insurance is no exception.

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Practical tips to save at the time of purchasing auto insurance.

Practical tips to save at the time of purchasing auto insurance.

Compare prices and services. Prices for the same coverage can vary greatly from one company to another. Request at least three quotes (for the same product) from three different sources; Either from insurance agents or brokers, directly from the insurance company or through the Internet. It is possible that the Department of Insurance of the state where you live, has guidelines (guidelines) of how much the insurance companies charge for the different types of auto policies. Some insurance companies have their own agencies, and they can also offer their policies through authorized agents or insurance brokers who simultaneously manage insurance from several insurers. Other companies sell their products or policies directly to the consumer, through Internet services or by telephone.

Ask for quotes from various types of insurance companies. The insurance company you choose will not only offer you good prices, but also an excellent service. Sometimes a better service could cost you a little more. Also Compare the service of the different agents you contact and ask them what they can offer to reduce costs. Do not buy only based on price, ask for references to friends and family about insurance companies that have given them good service and good prices. The Department of Insurance of the state where you live can tell you if the company you consider doing business has received complaints and in what proportion, compared to the amount of policies you sell. Find out the financial qualifications of companies that interest you through any of the independent rating agencies, such as consulting finance journals or the consumer. Select an agent or company whose representative takes the time to answer your questions, as this is the company you will have to deal with at the time an emergency or an accident arises.

Before buying your car, compare insurance costs. Make sure you find out how much it will cost to secure that car. Part of the cost of insurance premiums will be affected as a result of the type of car, the purchase price, the cost of repairing it, your overall safety performance and the chances of theft. Many insurances offer additional discounts to drivers who install security measures or whose cars have items that are already in the factory; For example, if they have air bags, they use lights during the day, they use devices that prevent or make the theft more difficult, they have safety and anti-lock brakes, etc. Some states in particular require the insurance or insurance company to give additional discounts to their customers for installing additional security measures in their car.º

Increase the deductibles. Deductibles represent the amount of money you will have to pay before you make an insurance claim. The higher the deductible, the cheaper the insurance. For example, if you increase your deductible from 300 to 600 dollars, you will reduce the annual insurance cost by 15% to 30%. A thousand dollar deductible can save you up to 40% on the insurance premium.
2. Reduce shock coverage and other risks in older cars. Consider abandoning or reducing various risk and shock coverage in old cars. It may not be advantageous to pay a policy to secure a vehicle that is worth ten times less than the insurance resets you. Any coverage benefit you receive will not cover the money you have paid on premiums and the deductible.

An accident occurs on average once in eleven or twelve years. A car dealership or your financier can tell you the value of your car. You can also see the estimated value of your car. Also remember to check your needs and amount of insurance coverage at least once a year.

Buy your car insurance from the same company that secures the house and ask for package discounts. You may also receive a discount if you have several vehicles under the same policy and some companies recognize loyalty by giving discounts to your older customers. Compare prices, many times you can find better deals without tying all cars to a single policy.
2. Take advantage of low mileage discounts. Some drivers who drive a few miles a year, under the annual standard, may receive additional discounts; Insurers can also offer discounts to those who agree with other people to manage the work.
3. Ask for group insurance. You may receive additional discounts if you receive insurance through your employer, as part of your work guild or through a group partnership such as alumni from a university or similar organizations. Ask your employer or the groups you belong to.

Maintain a good credit history. Your credit history may affect the price of insurance policies that you pay. While the use of credit history varies according to state laws and policies from one company to another, it is an assessment tool that allows the insurer to qualify candidates to secure them in a uniform and objective manner. In fact, drivers with long-established credit histories have fewer accidents than those with little credit history. You can use Internet services to get information on how to know and improve your credit history.
2. Request discounts for responsible drivers. Many insurers give special discounts for drivers who have not had accidents or traffic violations (speeding tickets, for example) for several years. You may also qualify for certain discounts if you have recently taken a driving course.

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¿How to secure a new car?

¿Cómo asegurar un auto nuevo?

• Coberturas como daños, robo o incendio son algunas de las coberturas indicadas para autos nuevos.
• Contratar un seguro de automóvil con franquicia evita que los propietarios de vehículos nuevos paguen primas altas.
Comprar un automóvil es una gran inversión y, por lo tanto, asegurarlo correctamente es muy importante, especialmente si se trata de uno nuevo. Además, todos los vehículos de motor deben tener una póliza de seguro que cubra al menos la responsabilidad civil para poder circular en las carreteras. Entonces, si es un auto que acaba de salir de la concesionaria, ¿cuándo debe contratar la póliza de seguro? ¿Y cuáles son las coberturas que deberían incluirse en el seguro de un auto nuevo?

¿Cuándo contratar el seguro?
La Ley de responsabilidad y seguro en el movimiento de vehículos automotores determina que todos los propietarios están obligados a suscribir y mantener un contrato de seguro vigente. Si está prohibido circular si no está disponible, en el caso de que se compre un automóvil en el concesionario, es necesario contar con dicha cobertura antes de salir del recinto. De lo contrario, si se produce un reclamo, el conductor debe lidiar con cualquier daño que ocurra, además de una penalización.

Transferencia de seguro de automóvil antiguo
Cuando se asegura un auto nuevo, existe la opción de transferir la póliza del vehículo anterior para no perder la prima pagada. Es decir, ya que para poder desbloquear un seguro es necesario avisar a la empresa con 2 meses de anticipación a la fecha de finalización del contrato, si esto no coincide con el de la compra del nuevo automóvil, le faltaría la parte de la prima no consumida Por lo tanto, las aseguradoras a menudo ofrecen la posibilidad de aplicar las coberturas contratadas adaptando la prima del seguro (debido al cambio en el valor del vehículo u otros factores). Sin embargo, al comprar un automóvil nuevo, 3 de cada 10 conductores optaron por cambiar de seguro al extender las garantías.

Contratando una nueva póliza de seguro
Otra opción es contratar un nuevo seguro de automóvil. De esta forma, puede elegir desde cero las coberturas que desea suscribir, adaptando su alcance a las necesidades reales del usuario. Esta es una decisión que se tomó previamente porque es necesario retirar el automóvil del concesionario con la póliza de seguro ya contratada. De lo contrario, existe la posibilidad de contratar una póliza de automóvil por días, que brinda protección por un período de 1 a 30 días.
Nivel de protección del vehículo
El mejor seguro para un auto viejo no es el mismo que para uno nuevo. Las aseguradoras adaptan la compensación al valor del vehículo en cuestión, y dado que cada año que pasa y que se da más uso está disminuyendo, sería lógico contratar más protección para los más nuevos, aunque es la decisión del ocupante. Esto también se debe a que la compañía es responsable de los costos de acuerdo con las coberturas contratadas y las condiciones (revalorización, veinl o venal mejorado).

Después de un siniestro de características similares, un automóvil nuevo podría ser reparado, mientras que uno de 10 años podría ser declarado siniestro total y su propietario recibiría una compensación de acuerdo con el valor, que puede ser bastante bajo. Por lo tanto, la modalidad de todos los riesgos se contrae, en la mayoría de los casos, para vehículos que tienen menos años.



Coberturas para un automóvil para emprender
La elección del seguro es importante, y entre las coberturas que pueden ser aconsejables contratar si acaba de comprar un vehículo se encuentran:
Daño propio
La cobertura de autolesiones, que incluye solo los seguros de todo riesgo, cubre los costos de reparación del vehículo cuando está bajo la responsabilidad del conductor por el accidente. Debido a que es un automóvil nuevo, su reparación puede ser más costosa y la pérdida total le daría al propietario una considerable indemnización. También se puede completar con otras garantías, como la Luna y el techo solar.
Robo
Con la garantía de robo, la aseguradora responde al usuario en caso de robo del automóvil, así como de sus accesorios o bienes que se encuentran dentro. De esta forma, el asegurado no tiene que hacer frente a la pérdida resultante del acto delictivo.
Explosión o fuego
La aseguradora compensa al asegurado si el vehículo se quema o explota. De esta forma, si es posible repararlo o no, el propietario ve el evento compensado.
Retiro de la tarjeta
Otra de las coberturas que puede ser interesante en el caso de comprar un automóvil nuevo es la retirada de la tarjeta, así como la defensa de multas porque el usuario no tendría que dejar de conducir su nueva adquisición.

El precio del seguro de automóvil nuevo
Al determinar la prima que un usuario debe pagar a cambio de tener un seguro de automóvil, se tienen en cuenta los factores relacionados con el conductor, la política en sí y el vehículo. Cuantas más coberturas contrates, más podría ser el costo de la protección, pero también, en el caso de un automóvil nuevo, y más si es de gama alta, el precio es más alto que el de aquellos que ya tienen algunos años, desde su acuerdo en caso de pérdida sería más cos Toso.

Contratar un seguro de automóvil
Cuando se trata de elegir qué seguro contratar, es necesario tener en cuenta las características del vehículo en sí. Techo solar, robo, asistencia en el camino o daños a la propiedad son algunas de las coberturas que puede incluir en la póliza de su automóvil si es nueva. La amplia gama de seguros y garantías disponibles en el mercado. 
Siga estos consejos para que pueda elegir el que más le interese a la hora de elegir su póliza de seguro.

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COVERAGE AUTO INSURANCE INSURANCE

Today I will talk about the basic things you should know to hire auto insurance.

Today you will talk about the three coverage packages that exist and the seven basic coverages that make up these packages.


Package number one: it is the broad coverage package.

Package number two: it is the limited coverage package.

Package number three: it is the package of civil liability.

Any variation that you are presented with will necessarily fall into some of these three packages.


As these insurance coverage packages are made, there are seven basic things that handle the majorities of insurance, material damage, glass, total theft, civil liability for goods and people, medical expenses to the occupants and legal defense, these sevens policies Insurance are those used to build the coverage packages.


What else should you know about the packages I already talk to you? You must know the sums insured, the most common is the value of your vehicle, the deductible is 5% of the sum insured, for crystals the deductible is 20% of the value of the glass, for total theft the most common sum is the value commercial, the deductible is 10% of the sum insured and the civil liability coverage for goods and people in this coverage does not apply reducible.

With these tips you can choose the best insurance coverage package that suits your car.

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