When choosing the best Auto Insurance, different factors must be taken into account to obtain adequate protection and not end up spending more money on the account. The insurance offer is very large and, frequently, we find promotions that, at times, lower the price of the policy at the cost of lowering 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 ease, knowing that the insurer can really help you in the event of any problem.

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 it comes to insuring your vehicle and saving!

 

To choose well, it is necessary to compare. So what you have to do before making a decision and hiring a car policy is to make a good comparison between Auto Insurance from different insurers.

To do this, you can turn to our Car Insurance comparator , where you only have to leave the vehicle data and an advisor will carry out that comparison for you and offer you an adjusted 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 by yourself, perhaps the best advice we can give you is not to be impressed by the great offers and promotions.

The price is not the only factor that must be taken into account when comparing Insurance , it is also necessary to pay close attention to the guarantees offered and the price-quality ratio of the coverage offered.

 

The decision to hire a better Car Insurance, many times comes from not being in accordance with the current policy. Whether for the price or for the service you have received from the insurer, it is common to change Insurance in search of better conditions.

 If that's the case, don't forget to cancel your policy early enough to save yourself trouble. You should know that to cancel your policy you have to communicate it at least one month before the date its validity ends. This will prevent it from automatically renewing.

Look, in our blog we tell you, step by step, how to cancel Car Insurance when changing insurers.

 

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 most recommended 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 Full Risk Insurance .

Why, if it is much more expensive? Well, because the repairs that may arise will be quite expensive if you make them on your own and because if there is a total loss of the vehicle due to an accident, the insurer is likely to offer you compensation, valuing your car with a new value.

This of the valuation is important. If you want to know more, in our blog we give you more information about how insurers value your car after an accident .

For this reason, if you have an older car and are unlucky enough to have a serious accident, it is most likely not worth repairing. The passage through the workshop would be more expensive than the vehicle itself and the insurer can declare it 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, an Extended Third Party Insurance with the coverages that the client needs is the most contracted option. In this post we tell you what the Extended Third Party Insurance offers .

 

Sometimes, whether or not you get the best Auto Insurance at a cheap price depends more on the driver. Prudence while driving is something that insurance companies reward and that can lead to an interesting reduction in the price of Insurance.

 

In this way, the absence of claims is a reason for a bonus premium , which means that the fewer incidents, the greater the bonus on successive premiums. Here we tell you how bonuses work in Car Insurance

If we want to change the insurer while maintaining our bonuses for being good drivers, it is important to ensure that the company that is going to insure the vehicle takes this bonus into account.

 

In addition to claims, there are other personal factors that can be decisive when contracting an Auto policy. For example, age can also influence the price, and even the insurer's decision to accept car insurance .

In fact, being less than 25 years old or having passed the age of 65 makes the price of the Insurance more expensive or, even, can make the insurer refuse to insure us. It is something you should keep in mind to avoid encountering unpleasant surprises.

 

A key element in choosing the best Auto Insurance is its coverage. Insurers offer the possibility to personalize the policy and include and discard guarantees that may 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 recommended to include some coverages that, beyond the Mandatory Insurance, all car policies should have:

- Compulsory Civil Liability

- Voluntary Civil Responsibility

- 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 tell you what are the coverages that are most included in the Car Insurance policies .

For many vehicles, the best Auto Insurance is an All Risk , the type of policy that offers greater protection. Insuring a fully comprehensive car is more expensive, but offers more guarantees and services to policyholders.

In this sense, if we want is 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.

 

Did you know that the extras and accessories of the car tend to be outside the Insurance coverage? Many drivers do not take into account that when insuring their car it is necessary to include all the elements that do not come standard so that our insurer will take care of them in the event of a claim.

Including car extras in the policy usually increases the price of the Insurance. In fact, there are cases where custom 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 it is worth it or not before including them; although if they are not included, they will not be covered.

 

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, make, 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.

 

One of the advantages that many insurers offer is the possibility of splitting the payment of the Insurance . In cases where the policy holder has difficulty making ends meet, this solution can be a great help in maintaining the guarantees and services you want.

But you have to be vigilant, because in most cases paying the installment insurance supposes an increase in the final price of the policy.

It is necessary to ask what increase is applied and think about whether 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 Installment Insurance .

 

In this of the Insurance, we will not tire of repeating it: you have to read the fine print of the contract . Many times, the difference between a good Auto Insurance and one that is not, is in the condition s 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 various claims during the validity of The policy.

The policies of each car insurer have their advantages and limitations, that is why you have to read everything carefully so that you are very clear about what our Car Insurance covers and what it does not cover before hiring it. This post about the Auto Insurance contract will give you the keys to better understand your policy.

 

One way to get good Auto Insurance may be to put yourself in the hands of an Insurance broker . At 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.

But what really is 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 the event of an accident, you will not bring no unpleasant surprises

We advise you to hire the best Auto Insurance in a fast and easy way. If you want to calculate your Car Insurance and save money with a policy that really covers any circumstance of circulation, you just have to fill out a form and wait for our call.