How to choose the insurance company for your car
Created by Ana Faustino at Thursday, 7 April 2022
When taking out car insurance, you need to take several aspects into consideration. We tend to worry too much about how much we're going to pay, but the premium/coverage ratio should be the main focus.
Find out more about the world of car insurance and what to look out for when you need to take out one.
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Bonus/aggravation
The insurance premium is not a constant value throughout our lives, it changes for different reasons. One of the factors in the price variation is the number of claims made by the insured. People with few or no claims benefit from bonuses worth 50% or more of the premium after several years. Depending on the insurer, some claims may not result in an increase in the premium, as is the case with isolated glass breakage.
It's impossible to predict the number of claims we'll have, but it's best to keep an eye on the operating model.
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Limit of cover
It's common to notice which situations the insurance covers, but it's also important to understand the limits of the cover. One of the main constraints can be travel assistance, as it can cause too many problems if you need to use it and are informed that the limit is exceeded and you have to pay an additional amount.
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Reliability of the insurer
Yes, even though the contract is in writing, it's essential to understand whether, in a situation where you need it, your insurer will work as expected. To do this, we suggest that you
Check the average claim settlement times. The insurer is obliged to provide information on the time taken at the various stages;
Ask friends and family for their opinions;
Visit the complaints portal to find out what the complaints are and how the insurer resolves them.
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Not all insurers are the same, so understand the positioning of the one you are going to choose. Some are more dedicated to certain areas than others, so they may or may not be right for you.
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To make the buying process easier, you can take out your car insurance at Benecar thanks to our partnership with Vitorinos Seguros.
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Source: DOUTOR FINANÇAS
Translated with DeepL.com
