10 tips to get the best Auto Insurance
When choosing the best Auto Insurance, different factors must be taken into account to achieve adequate protection and not end up spending more money than the account. The insurance offer is very large and, frequently, we find promotions that, on occasions, lower the price of the policy at the cost of reducing the insurance coverage . But is that what really interests you?
The truth is that a good Auto Insurance does not have to be expensive and must include the guarantees that the user needs to drive with peace of mind, knowing that the insurer can really help you in case a problem arises.
Finding the best Auto Insurance is not an easy task, so we are going to give you some tips that will help you make the best decision when insuring your vehicle and save!
1. Make a comparison of Auto Insurance
To choose well, it is necessary to compare. That is why what you have to do before making a decision and taking out a policy for the car is to make a good comparison between Auto Insurance from different insurers.
To do this, you can resort to our Car Insurance comparator , where you only have to leave the vehicle data and an advisor will carry out this comparison for you and will offer you a tight and tailored budget.
If you are looking for the best Car Insurance, this is the option we recommend.
But if you prefer to do it yourself, perhaps the best advice we can give you is not to be impressed by the great offers and promotions.
Price is not the only factor that must be taken into account when comparing insurance , you also have to look closely at the guarantees offered and the price-quality ratio of the coverage offered.
2. If you are going to improve your insurance, cancel the old policy
The decision to hire a better Car Insurance often comes from not being satisfied with the current policy. Either because of the price or because of the service you have received from the insurer, it is frequent to change insurance in search of better conditions.
If that’s your case, don’t forget to cancel your policy well in advance to save yourself problems. You should know that to cancel your policy you have to notify it at least one month in advance of the date on which it expires. This will prevent it from being automatically renewed.
Look, in our blog we tell you, step by step, how to cancel Car Insurance when changing insurance.
3. Choose the best Auto Insurance, depending on the characteristics of the car
This advice seems obvious, but many people ignore it: You have to insure the car with a policy that suits its characteristics. Not all policies are the best for all cars.
In this way, if we want to insure a high-end car or look for a new vehicle policy , the most advisable thing is to opt for an All Risk Insurance .
Why, if it is much more expensive? Well, because the repairs that may arise will be quite expensive if you do them on your own and because if there is a total loss of the vehicle due to an accident, it is likely that the insurer will offer you compensation by valuing your car with new value.
This appraisal is important. If you want to know more, in our blog we give you more information about how insurers value your car after a claim .
For this reason, if you have an older car and you are unlucky enough to have a serious accident, it is most likely not worth repairing. Going through the workshop would be more expensive than the vehicle itself and the insurer can declare it a total loss . In those cases, a more basic insurance may be sufficient.
Depending on the characteristics of the car, one policy or another will be convenient. In general, a Third Party Insurance extended with the coverage that the client needs is the most contracted option. In this post we tell you what the Extended Third Party Insurance offers .
4. Are you a good driver? Factors that influence the price of Insurance
Sometimes, whether or not to get the best Auto Insurance at an affordable price depends more on the driver. Prudence driving is something that insurers reward and that can lead to an interesting reduction in the price of insurance.
Insurance Bonus and claims
In this way, the absence of claims is a reason for a bonus in the premium , with which the lower the number of incidents, the greater the bonus in successive premiums. Here we tell you how bonuses work in Car Insurance
If we want to change insurers while maintaining our bonuses for being good drivers, it is important to make sure that the company that is going to insure the vehicle takes this bonus into account.
In addition to the accident rate, there are other personal factors that can be decisive when hiring a car policy. For example, age can also influence the price, and even the insurer’s decision to accept auto insurance .
In fact, being under 25 years old or having passed 65 makes the insurance price more expensive or, it can even make the insurer refuse to insure us. It is something that you must take into account to avoid encountering unpleasant surprises.
5. Coverages: the key to getting the best Auto Insurance
A key element in choosing the best Auto Insurance is its coverage. Insurers offer the possibility of customizing the policy and include and discard guarantees that can increase the price of the Insurance.
Think about your vehicle and how you use it to include only those coverages and services that you really need.
However, it is advisable to include some coverages that, beyond the Mandatory Insurance, every car policy should have:
– Mandatory Civil Liability
– Voluntary Civil Liability
– Travel assistance
– Driver’s insurance
– Legal Defense
These are the most necessary coverages, but not the only ones. In our blog you will find a lot of information about the guarantees with which you can insure a car, although in this post we will tell you which are the coverages that are most included in Car Insurance policies .
For many vehicles, the best Auto Insurance is an All Risk , the type of policy that offers the greatest protection. Insuring a fully comprehensive car is more expensive, but it offers more guarantees and services to the insured.
In this sense, if we want to enjoy the coverage of an All Risk at a cheaper price, we have the option of hiring a franchise , which will allow us, in case of repair, to have the service covered with the payment of a fixed amount .
You know how it works? In this post about the franchise in All Risk Insurance we tell you everything you need to know about this type of contract.
6. Don’t forget the car extras
Did you know that the extras and accessories of the car tend to remain outside the insurance coverage? Many drivers do not take into account that when insuring their car it is necessary to include all the non-standard elements so that our insurer can take care of them in the event of a claim.
Including the extras of the car in the policy usually increases the price of the insurance. In fact, there are cases in which tailored insurance is necessary, such as when we are going to insure a tunning car .
In any case, extras can make the premium more expensive, which is why many people do not want to include car accessories in the contract. We must weigh whether or not it is worth it before including them; although if they are not included, they will not be covered.
7. The insurer’s offer: Is it the best Auto Insurance they can offer you?
When requesting a quote to insure your car , the insurer will send you an offer, an insurance proposal that must include at least:
– The identification of the owner, the usual driver and the policyholder.
– The identification of the vehicle, brand, model, characteristics of the same and registration.
– The guarantees requested.
– The minimum coverage period.
If you have the advice of an Insurance mediator , he will be the one to explain the details of the offer, and will help you decide between several options.
8. Insurance payment: are you interested in paying in installments?
One of the advantages that many insurers offer is the possibility of splitting the insurance payment . In cases where the policyholder is struggling to make ends meet, this solution can be a great help in maintaining the warranties and services they want.
But you have to be careful, because in most cases paying the Insurance in installments means an increase in the final price of the policy.
It is necessary to ask what increase is applied and think if it pays to pay that extra percentage in the price in exchange for paying the policy in two or three installments throughout the year.
On this subject, we give you more information about the payment of the Insurance in installments .
9. You have to read the fine print well
When it comes to Insurance, we will never tire of repeating it: you have to read the fine print of the contract . Many times, the difference between a good Auto Insurance and another that is not, is in the conditions of the policy .
There are exclusions, limitations, coverages that only cover up to a certain amount, services that are provided under certain conditions … In addition, it is convenient to know if the insurer applies surcharges of any kind and if there are penalties in case of intervening in several claims during the term of The policy.
The policies of each car insurer have their advantages and their limitations, so you have to read everything carefully so that you are very clear about what our Car Insurance does and does not cover before hiring it. This post about the Auto Insurance contract will give you the keys to better understand your policy.
10. Trust your insurance broker: he will find the best Automobile Insurance for you
One way to get good Auto Insurance can be to put yourself in the hands of an insurance broker . In our brokerage we advise thousands of clients and help them insure their vehicles with the best policies and guarantees they really need.
In addition, as we broker insurance for thousands of clients, we can get sensational prices, so that insuring the car is cheaper for them.
But what is really an advantage is that an Insurance broker can explain, clearly and in detail, each of the clauses of your policy, especially the small print that we talked about before, so that in case of a claim you will not take no unpleasant surprises.
At Turboseguros.com we advise you to hire the best Automobile Insurance quickly and easily. If you want to calculate your Car Insurance and save money with a policy that really covers any circulation circumstance, you just have to fill out a form and wait for our call.