At present, there are so many insurance and car insurance that, at the time of choosing the policy, it is difficult to hit the right option. 

There are times when the choice, almost always the most economical, is not the most convenient, but one only realizes it after suffering a loss. So that you do not have to regret the decision taken and be calm with the contracted option, it is important to analyze a number of aspects of the proposal before signing.

When we buy a vehicle, one of the main expenses that we must face is the hiring of compulsory insurance required by law. Many companies, prices and types of coverage make each customer have to seriously consider doing a previous study of what each policy offers or use a comparator to tell you where the best deals for the vehicle purchased.

But what really needs to be taken into account are the determining factors that make insurance prices vary, among which are the driver's personal characteristics, the age of the driver's license and the type of vehicle as well as its characteristics.

Make a good comparison

The first thing to do before making a decision is to make a good comparison between the different options offered by insurers. For this, the first decision to be to not be impressed by the cheapest car insurance. Price is not the only pattern of comparison; You have to look carefully at the price-quality ratio of the coverages offered.



For this, it is advisable to use a car insurance comparator and know the different options that exist in the market. In addition to the price should be taken into account that the comparator includes a detailed analysis of the different coverage and services provided by each insurer.

Choose the one that best suits the vehicle to be insured. If it is a new or high-end vehicle, it is advisable to opt for an all-risk policy; If it is an old car that, in the event of an accident, will probably declare it a total loss, a civil liability policy may suffice.

Currently, many insurers allow you to create a personalized policy so it is relatively easy to hire the coverages that are really needed.

Evaluate the possibility of hiring a franchise. The best thing to do is hire it for your own damages since the insurance premiums will decrease ostensibly and will not affect the bonuses for non-loss, which will represent a further saving.

It is important to communicate with the insurer. Even without physical offices, such as online insurers, they need to have an infrastructure that allows them to respond quickly to phone calls or emails.

Once the company is decided

When, after choosing the company, the contract that insurer our vehicle is signed, it is necessary to read carefully the policy in which the clauses for which the insurance has been chosen must be explained, clearly and in detail, especially the small print So that in the case of loss there is no surprise.

It is important to ask until you are satisfied and have no doubts about all the clauses that are not understood. The broker must explain the coverage as well as the limitations and exclusions of certain situations and, if any modification is made, must be written in the same contract. In addition, it is necessary to know the surcharges that the company can apply in the case of intervening in several claims during the term of the policy.

Once the insurance has been chosen and signed, the last step will be to keep the policy together with the papers of the car and the rest of the documentation, since in the case of loss it will be necessary before the different agents of the bodies in charge of road safety and can Be very useful.