O best car insurance offers comprehensive protection for your vehicle in case of accidents, property damage or theft. The ever-increasing price of cars these days has increased the importance of looking for the best Auto Insurance to protect you and save money.
It's important to look for the right Auto Insurance for you, as there are over two hundred companies offering a variety of coverage options. It's important to research the services offered by each to determine which one best suits your needs.
Rates also vary depending on various factors such as the assessment of the car's condition, location and the use to which it is given. Auto Insurance will provide different services to each depending on their cost and plans.
6 best car insurance plans in Brazil to protect your car and save money
It is important that the information in this article be read carefully to find the best protection and value for your car.
Stay tuned and carefully read the Auto Insurance terms and services provided so that you can get the best insurance available to you.
1. Itaú Insurance:
Offers legal guarantee with several coverage options, ranging from the most basic costs to additional coverage, such as total loss due to theft / aggravated theft, licensing debts, 24-hour assistance, compensation for death or permanent disability of third parties and repair in an authorized workshop .
2. Porto Seguro Insurance:
For larger cars, including suv's and pick-ups, the insurance is more complete, offering savings options with a reduced deductible and various coverages, from flooding to protection of improvements, additional drivers and scholarships for children.
3. Mapfre:
Mapfre offers insurance for passenger, commercial and utility cars, as well as protection against theft, loss and damage caused during transport.
The insurance also includes possible damages and some offers for special items, such as repairs at an authorized workshop, driver assistance and 30-day repairs.
4. Liberty Insurance
Wide coverage options such as the “Protector”, which protects the vehicle from accidents, collisions, theft and fire, as well as emergency assistance, benefits and even discounts for accumulating multiple insurances.
5. Secure HDMI
Legal guarantee for group A and B cars, they also offer more specific assistance services, such as free 24-hour tow truck, fuel loading service and locksmith service.
6. Blue Insurance
Automotive insurance with third-party coverage, civil liability, collision, theft, fire and some additional assistance services, such as towing, medical emergencies, Key Exchange and Reserve Car.
In addition, the Azul Seguros customer also has extra items, such as discounts on medication, dentistry, optics and others.
How to choose the best car insurance
1. Assess your needs
Before choosing any insurance for your car, it is important to consider the type and amount of coverage you need. For example if you have an old vehicle.
You can probably save money by opting for a more basic policy. If you have a new car, investing in insurance with more coverage is your best bet.
2. Check insurance options
Once you've decided how much protection you need, it's important to research multiple insurers to find which one offers the best rates and coverage.
Compare various quotes and read policies carefully to understand what is included.
3. Negotiate with the insurer
Although insurers sometimes refuse to discuss prices, it can be helpful to use other offers as a source of information. However, don't forget to consider other important details like customer service and solvency rating.
4. Take out high deductible insurance
If you're focused on saving money, consider getting high-deductible insurance. However, this type of insurance increases the risk that you will have to pay part of the vehicle repair costs in the event of an accident.
5. Protect yourself from rudeques
Collision and theft insurance can drastically reduce the cost of the policy, and can be a good option for protecting your car. If you have an aging car, this type of insurance can be a great option.
6. Update your offsets
If you drive in high-risk areas, additional coverage may be required. If this is the case, be sure to educate the insurer about the routes and destinations you frequently use to ensure you receive adequate coverage.
7. Include hosting expenses
Many insurances provide coverage for the cost of lodging in the event that the vehicle is rendered useless after an accident. This coverage can come in handy, especially if your car is transported to another city for repairs.
8. Periodically review
When a policy expires, remember to review coverage and look for new offers. Don't be fooled by promotional discounts, make sure the coverage remains related to your current needs. This way, you will be sure to have the ideal insurance for your car.
Final considerations
There is no car insurance that is clearly the “best”, as each case is different. The insurance that's right for you depends on a number of factors, such as the type of coverage you need, your budget, your insurance history, etc.
Therefore, it is important to carefully consider all of your options before making a decision. In some cases, it may be helpful to consult a specialist to help you find the best insurance for you.
Besides that, before buying insurance, be sure to read the insurance policy carefully to make sure you know all the terms and conditions.
