5 tips for hiring yours!

Especially people who live in large cities need to travel with their vehicle protected. For this reason, we are going to give you some tips for taking out cheap vehicle insurance.

When we talk about the importance of having car insurance, we mean the rise in robberies and thefts in Brazil. According to IBGE data, 64 cars are stolen or stolen every hour in the country.

But this is not the only advantage for those who have this type of insurance. So, if you don’t have yours yet, here are some tips for getting cheap vehicle insurance.

Check out tips for getting cheap car insurance

Some people end up not having car insurance because of the price. However, it is an important protection both in the case of theft and theft as well as in the event of an accident.

That’s right! If an accident happens, for example, you may be covered by the insurance company to repair the vehicle. Furthermore, if it stops in the middle of the street, you will have the help of a tow truck or mechanic to resolve issues quickly and easily.

Many points are taken into consideration when the insurance company calculates the value of car insurance. So, check out these tips for getting cheap car insurance:

1 – Assess whether the car is highly popular

The more targeted the car is, the more expensive the car insurance will be. This happens because, as the probability of theft and/or robbery is greater, the insurance company predicts a “loss”.

Therefore, it is important to carry out this assessment before purchasing your new car.

2 – Be careful with the type of coverage

Another point that also influences the value of vehicle insurance is the number of items that are part of the policy. Generally, the services that are always included are: 24-hour assistance, robbery and theft, collisions and crashes, natural damage and fire.

However, if you want to add another type of coverage, such as coverage for damage to windows, vehicle insurance will be more expensive.

Including third parties in the policy is yet another service that makes insurance more expensive. Therefore, it is important that you only include in your contract the items that are most important for your daily life.

3 – Give the correct information

Did you know that omitting information can make your car insurance more expensive? One of the data points where there is most disagreement is where the vehicle is parked, especially at night.

Therefore, the ideal is for you to be as transparent as possible when simulating your insurance so as not to have problems in the future, if they need to use the service. If the insurer finds a discrepancy, it may not want to provide coverage. And you could be at a loss.

4 – The franchise also influences

The value of the deductible included in your policy can make a difference in the amount you will pay for vehicle insurance. Therefore, it is essential to pay attention to the amount provided for in the policy.

The higher the deductible value, the lower the monthly fee that will be paid to the operator. Some people prefer to reduce their deductible and don’t mind having a higher insurance value. This happens because, in the event of an accident, the insured will have to pay the deductible to have the car repaired.

It is not in all cases that you will need to pay a deductible and, for this reason, it is important for you to understand when the fee must be paid.

5 – Get several quotes

Researching is another way to purchase cheap vehicle insurance. After all, values ​​between one insurance company and another company can vary by up to 50%. So, the ideal is to request the help of an insurance broker, who will provide you with the options available to protect your vehicle.

Also take the opportunity to ask any questions you may have about the services that will be added to your contract. This way, when you need to use it, it will be easier to understand whether your vehicle insurance will cover it or not.

Do you have vehicle insurance? Tell us what your plan’s coverage is like.