How to save up to 50% without losing coverage
Today the majority of Spaniards have car insurance to third parties, offering them the best relationship between price and level of cover. There are over 30 insurance companies in the market and each has its policy to third parties. Each year companies change their rates and launched aggressive promotions to attract new customers. The comparator Acierto.com insurance allows you to compare prices and coverage available in just three minutes, so you can easily find the car insurance cheaper with the level of coverage you need others.
What kind of insurance to third parties exist? What coverages include?
Not all car insurance to third parties are equal. We can even with the same type of policy to find differences between what we offer two different companies. But above all, we must be clear about the options available in the market for car insurance to third parties. Thus, we can hire a car insurance to third base (covering the minimum guarantees), third party insurance with an insurance moons orexpanded third, the most comprehensive alternative if we do not sign an economically viable insurance.
The third basic simply provide the minimum mandatory liability coverage required by law. This policy allows us to move following the law, but limits the vehicle protection against multiple risks such as a broken or stolen moon vehicle. It is particularly important to validate that the chosen policy includes roadside assistance in price or otherwise allow the option to be hired taking a small incremental cost.
With car insurance to third with moons insurance covers the cost of labor and replacement in case of breakage of the windshield, rear window and side windows. This type of insurance does not vary much from one company to another; the only difference is the extent (or not) of the guarantee to the sunroof, so you should make sure that is covered if you have a vehicle of this type.
Without reaching the level of protection of insurance premium nor assume that presumably-high,expanded third party insurance to guarantee us peace of mind in case of theft or fire: the insurance covers material damage resulting from theft or attempted theft and vehicle fire. In addition, may include additional coverage, either standard or optional: replacement vehicle, roadside assistance or resource fines are the most common; but some companies add value to your policy paying a number of additional services for customer loyalty.
Thus, prompt attention, incident management or resolution of proceedings on behalf of the insured (from an MOT to collect the vehicle to take the workshop) are details that influence our overall satisfaction with the policy and our sense of tranquility with the certainty of the company responds to certain situations and gives us daily as drivers. In some cases, this peace is much more expandable increase the more we are willing to take on the premium because the coverage we need only offered as an option. Hence the importance of comparing car insurance: an insurance policy that can be limited to meet the minimum guarantees or other defined that for the same price we much more.
What car insurance do I need?
Having already clear all options for protection, the key is to understand what type of insurance you need our vehicle based on its age, its use or care. If we released car, it is usual to opt for insurance, mainly to cover any damage considering repairs and parts are more expensive than a used car-even more if high gamma- and benefit from the possibility of obtaining its value again in case of an accident during the first two years in most policies.
In the case of an old vehicle, not worth paying the annual premium representing the risk of a whole since most only we will cover a maximum of its market value, ie the value of sales in the market. It is not profitable to take high spending by a vehicle whose value has already been depreciated and we can not get enough to buy another car.
In addition to the year of the car, we must consider how we use it. This will help us determine if we really need to be protected under all circumstances. The more we use, level of protection would be recommended.
Optional third-party insurance coverage
If we seek to save, it is clear that the price is what most weighed in the balance when choosing a car insurance. But we can not stay just with the budget and signing with closed eyes to leave us as cheaply as possible. A good choice in your car insurance is that it gives you what you need at the best price: useless affordable insurance if you do not pay us the coverage we require, based on the type of car we drive, our profile as drivers or the hours you spend at the wheel. Not all drivers need the same level of protection, so that the basic question to ask before hiring a safe is: what are the most important coverage and what I really need? These are some of the key:
Does travel assistance? And if so, from what kilometer? With this coverage we have the tranquility to be assisted in case of loss or damage to the vehicle that prevent us from continuing our journey, loaning repair service in situ if possible, or tow to carve closer. We also assist in the event of a medical emergency. However, we must point out that these coverages always have their limits: in some companies lends assistance from kilometer 0 (for example, our car is parked near our home and we can not start it), but others set a distance that usually usually start from kilometer 15 to 25. Some we guarantee a response across Europe, while others limit their scope to country. Another aspect to consider is to check whether this assistance includes any course, including cases of puncture, lost keys or lack of fuel.
Does replacement car? Am I willing to pay more for this coverage? This is another of the coverages that may or may not include car insurance to third parties and whose need is clearly dependent on vehicle use. We guarantee that we will always have a vehicle, even in the case of breakdown or accident, as our car is being repaired. For some companies, count on a replacement vehicle is an extra to be paid. If we are unwilling or unable to assume that cost will depend on the answer to this question: I can do without, if necessary, to my car? If we use it to work (ie a commercial or self) or commuting we can not assume otherwise (go to work, take the kids to school) it is best to hire this warranty. If you just use it and for day to day serves us public transportation, we can definitely do without paying for it.
What principal conductor covered by insurance? If we want to add a safe driver to our policy, we should know that there are notable differences in the amount that we provide different companies. All we will ensure that this coverage can seek compensation in case of permanent disability or our family in case of death. But not the same amount: the most basic limit it to 6,000 € in the event of a disability that impairs us occupationally while fuller can offer more than 120,000 €. The same applies to the amounts for death or extra services that can lend, as the transfer in case of death or funeral service management. In any case, many companies give us the ability to choose how much we get, assuming the costs involved in the annual premium.
Does health care in case of accident If we hire this coverage, the company offers certain guarantees in case you need medical care while traveling, which vary depending on the completeness of policy:from the ambulance or shipping drug to accommodation costs derived from the hospitalization of the driver or drivers listed on the insurance.
Does legal defense? The legal expenses cover provides us with the financial support of the company in case of having to face a trial resulting from an accident. As in the rest of the coverages, the difference mark the amount that we provide to cover the costs of lawyers, prosecutors and court costs. It is usual, also the company to increase this amount if it is they who give us advice and legal assistance, while the limit in case we decide to hire a lawyer of our choice.
