Car insurance Rio de Janeiro – RJ

Are you thinking about hiring? Are you looking for car insurance in Rio de Janeiro to drive your car throughout the state with more protection and confidence? If so, it is worth reading this article and finding out all the most important information to help you choose the best option for this service.

Rio de Janeiro is one of the Brazilian states that most attracts tourists, both national and international.

Therefore, it is common to always find a large flow of vehicles on its state and federal roads and highways.

According to the latest survey carried out in 2018 by IBGE – Brazilian Institute of Geography and Statistics, the number of vehicles circulating in the State of Rio de Janeiro was 6,725,822, currently, this number must be much higher.

According to a second survey carried out in the same period, only 20% of the entire vehicle fleet in Brazil has auto insurance protection.

In other words, the vast majority of vehicles that circulate both in the State of Rio de Janeiro and throughout the country have some type of protection against accidents and other problems in traffic.

If you are part of the majority and are thinking about getting out of this situation by taking out car insurance in Rio de Janeiro, you may be a little lost given the many possibilities available on the market.

To help you with this issue, we have prepared an article with the most important information to be considered when hiring, follow along.

Image: Getty Images

Advertisement

Why take out car insurance in Rio de Janeiro?

In 2018 alone, around 67 thousand vehicles were stolen or robbed throughout the state of Rio de Janeiro.

According to the ISP – Public Security Institute, in March 2018 there was a 7.1% increase in vehicle thefts, compared to the same period last year.

According to the 2019 Traffic Dossier, produced by Detran – RJ, in 2018 alone, traffic accidents caused 1,957 fatalities and 27,520 non-fatal victims throughout the State.

In other words, there were 29,477 traffic accidents with victims, not to mention accidents without victims.

Given this scenario, having a vehicle and not having auto insurance in Rio de Janeiro, even if it is a simpler coverage, such as those against theft and robbery, is extremely risky.

Especially in the case of new or imported vehicles, which are more targeted by thieves or have high repair costs.

After all, we are talking about a service responsible for protecting your car in cases of theft and non-recovery, where the insurance company will reimburse you for the value of the car, according to the FIPE table in your contract.

As in cases of accidents, whether collisions or other problems such as lightning strikes, fires and more.

Most stolen cars in Rio de Janeiro

Among all Brazilian states, Rio de Janeiro is the champion in vehicle robberies and thefts.

According to research carried out on the official SUSEP website, through the IVR – Stolen Vehicle Index, the ranking of the 20 vehicles with the highest rate of theft and robbery in the State of Rio de Janeiro are:

If your car is not on this list, it is worth accessing the SUSEP website, which offers vehicle owners or those who wish to acquire this type of asset a constantly updated list of the vehicles most stolen by thieves throughout Brazil.

With this information, it is possible to check not only the risk of your vehicle being stolen or robbed, but also the relevance of having good car insurance in Rio de Janeiro to avoid future problems.

How much does car insurance cost in Rio de Janeiro?

The price of car insurance in Rio de Janeiro, as in any other state in the country, varies greatly depending on details such as the chosen insurance company, the coverage contracted, the driver's profile, model and year of the vehicle, as well as its condition.

Therefore, the best way to find out how much car insurance costs in Rio de Janeiro for your vehicle is by carrying out an online car simulation.

But don't worry, below we will show you some examples of Rio de Janeiro car insurance values ​​for different models, follow along:

Car insurance prices in the State of Rio de Janeiro

Don't forget that, although the values ​​presented above were quoted by real drivers, they are only used to give you an idea of ​​the average amount charged for insurance for the models mentioned.

Therefore, even if you find an example with a car of the same model and year as yours, it is important to do your own car insurance simulation.

After all, your profile will be different from the one used in the quote shown.

How to get car insurance in Rio de Janeiro?

The first step to taking out car insurance in Rio de Janeiro is to define what coverage you want to purchase.

Once this is done, the next step is to obtain as many auto insurance quotes as possible, whether online or in person, through a specialized broker or not.

This step is essential to get the best prices and benefits.

If you have difficulties with obtaining quotes, it is worth seeking the help of a broker.

This will make the entire process of choosing and purchasing car insurance in Rio de Janeiro much simpler and faster.

Auto insurance companies Rio de Janeiro

People who have definitively decided to choose good car insurance in Rio de Janeiro can count on several options from companies that operate in this sector.

To help you choose an insurance company, we have selected some companies that operate in this market sector:

• Safe Haven: in the Brazilian insurance market since 1945, with insurance for cars, motorcycles, life, health, companies, homes, events, families, portable equipment, and coverage ranging from the simplest to the most complete;
• Alfa Insurance Company: in Brazil since 1999, Alfa Seguradora offers life, property, vehicle, motorcycle, business, pension, health and other insurance with different plan possibilities according to the needs and financial conditions of each interested person;
• Mapfre: present in Brazil since 1992, Mapfre offers protection for cars and motorcycles, homeowners, life insurance, and also has services such as consortium, capitalization, investments and much more;
• Bradesco Insurance: among the many services that Bradesco Seguros offers, there is Bradesco Auto/RE, which offers countless coverage possibilities;
• Tokyo Marine: the Japanese insurance company offers different types of insurance such as auto, home, business, personal accident insurance and more, with different coverages available.

These are just some of the many insurance companies operating in the State of Rio de Janeiro.

If you can't find good coverage at an affordable price from any of these companies, it's worth keeping your eyes open.

And you, do you already have the protection of car insurance in Rio de Janeiro?

What do you think of this type of service that is offered for your vehicle needs?

Leave your opinion and comments below to help you protect yourself adequately from the dangers of car theft and robbery in Rio de Janeiro.

*This text is editorial content and does not guarantee the commercialization of this product on this website.

*afrilatest is not responsible for the values ​​mentioned here, as the price of insurance may vary depending on each driver's profile.