Howto get the best car insurance quotes: Having auto insurance is an investment for the safety of
your assets and your family, and it is mandatory in almost all countries.
That is why the number of companies that provide this valueable
service to your car has increased and offer more consumer packages, so it is
ideal to ask yourself if it will support you at all times.
One of the most accurate ways to know if you have the
best insurance service is to thoroughly know the extra coverage and the risks
it covers.
This can be found in the terms and conditions of each
contract, which also includes the situations that it does not support, so you
can better assess whether the valueable protection you have is what you need or
if you should contract any additional policy.
To find out if you have good coverage, ask yourself the
following questions that will help you make the best choice:
Do I
have extra benefits on my auto insurance?
Each company provides certain benefits that you can take
advantage of if you should have a claim. But what many advisers recommend is to
contract a package that contains all the guarantees.
The Amplio Plus insurance has advantages such as Civil
Liability, Material Damage, Legal Assistance, Total Theft, among others. This
package also provides extra plugins.
For example, in case you had a claim that would not allow
you to drive to your residence, many coverages have a driver to take you to
your home.
If your car is being repaired and you need a vehicle,
there is a Substitute Auto guarantee that will grant you another unit until
your vehicle leaves the workshop. The same if the car was Total Theft, you will
be lent a car for up to a month.
The benefit of automobile repair is also very popular in
prestigious centers such as auto agencies, this as long as the insured car is
not more than 5 years old.
Regarding problems with the law due to a claim, many
companies offer advice and payment of fees and finances for legal defense.
Similarly, there are benefits in compensation. Ask if
your company has any coverage that pays you in a short time, for example, HDI
pays you in two days and reimburses you a thousand pesos for each day of delay.
Axa also offers an immediate service, plus other companies that offer you that
benefit.
However, you can also find coverage in other companies
that will support you in both Total Theft and Total Loss, paying you more in
compensation. An example is the HDI Car Lover package, which gives you 10,000
more pesos than the commercial value of your unit.
In
the event of a road accident, does my insurance have road assistance?
Both in Mexico and in other countries, your insurance
must provide you with the necessary care as long as it is specified in the
policy, since it sometimes depends on the terms and conditions of each
contract, but one of the benefits of roadside assistance that can to offer are
the following:
Do I
have the lowest deductible?
For this amount to be lower, the policy will probably
have to be high, but companies can exempt you from this amount in your first
two or three claims depending on the coverage or the company, or simply by
contracting a much more userfriendly policy. You can ask your advisor about the
offers in this amount or the way to make it lower.
Do I
have guarantees in the repair?
In the most complete policy, some insurers give you the
option of choosing the agency or workshop for the restoration of your vehicle.You
can also ask your company about the painting and bodywork service that they
will provide to your unit. Not only that, some companies provide a good waxing
service and if you don't like the final work, you can return it to the repair
center until you are satisfied with the result of your car.
Does
the policy have special assistance for damage to vehicle parts?
Ask or check if your company has repair on tires, motor,
battery or glass in the policy. There are times when not only is the deductible
higher, but you will have to purchase extra coverage for it.
It should be remembered that most of the benefits will
only be valid in the event that the breakdowns have occurred due to road
accidents.
Is
there speed in the service?
It is estimated that in an accident the adjuster should
arrive in approximately 30 to 45 minutes. However, there are packages that guarantee
a minimum waiting time in which the appraiser could arrive in less than that
period.
Does
the company have discounts on auto insurance?
Before changing insurance or wondering if it is cheap or
not, you can ask your advisor if he offers you discounts for renewing the
contract with them. Almost all companies do it, so chances are yours too. If
not, consider that other insurers may offer you an offer to sign with them.
Is
my insurer reliable?
There are two ways to find out:
Insurance company service rating
Did you know that the National Commission for the
Protection and Defense of Users of Financial Services has a website that shows
the evaluations carried out by each insurer? In it you can view both the
ratings of the companies and the adjusters and also, in case of any complaint
with your appraiser, you can file a complaint by completing the small
questionnaire that the site has.
Although it must be clarified that some companies have
more clients than others, that is, one may have 1000 and others only 50, which
will not make the evaluation as impartial.
Financial
strength of the insurance company
Faced with any risk, the company that protects your car
must be financially prepared to cover the expenses of the accident. There are
institutions that carry out these types of evaluations for insurers, for
example S&P Global Ratings, which provides reports on the solvency of
financial institutions in different reports.
Is
my insurance cheap?
Insurance may be more expensive, but if it has all the aforementioned
benefits then it is a company that will support you at all times.
However, the insurance market is very varied and
comparing is necessary to verify that you have a good policy. The tool that can
help you in these cases is Rastreator.mx where in less than two minutes you
will find the extra coverage and benefits that the different companies that are
shown on the panel have.
