How to Choose the Best Auto Insurance for Your Needs

When it comes to preventing what can happen when we drive, it leads us to think about the insurance that best suits our routines. Companies must offer the minimum required by law, and then there are some additional elements that should be consulted so as not to be surprised. if you suffer a mishap

When insuring our vehicle we face the question of choosing which insurance is best suited to our needs. For each driver there is an option, and although most tend to opt for more complete coverage, the most suitable auto insurance will be the one that offers complete and more varied coverage and assistance at a lower cost.

The main reasons for opting for coverage are the figures presented by the National Traffic Safety Commission (Conaset) in 2019, detailing that nearly 90,000 traffic accidents occurred. If you add to this the thousands of stolen vehicles, there is no doubt about the importance of auto insurance.

Aspects such as the quality of service, response time and solvency of the insurance company are important when one quotes, but it is also good to keep in mind questions such as: How to choose auto insurance? What is the most reliable auto insurance?

1. Compare coverage: When you receive a quote, do not keep it, evaluate each of the active coverage: theft and vehicle damage, consequential damage, moral damage, unemployment, accessories, damage due to eventualities and malicious acts. Based on the available coverage, always consider that the most reasonable auto insurance is customizable, that is, that it adjusts to your needs.

2. Exclusions, deductibles and sums insured: The exclusions are the concepts or risks not covered in an insurance contract, for example: damage caused by driving under the influence of alcohol. Each insurance plan has different exclusions, so you will have to read the contract very well. As for the deductible, it is the sum in UF that the insurer does not cover, but will come out of your pocket. The lower it is, the higher the premium to be paid.

When choosing the best auto insurance in Utah, compare both deductibles and sum insured for each coverage.

3. Liability with third parties: An aspect sometimes not taken into account is civil liability. If you are involved in an accident, you don't want to go into debt or face third-party damages charges, so third-party liability for consequential damages is basic and very necessary.

4. Accessibility and convenience: Technology is there to be used, which is why today the life insurance agency or  best car insurance is quoted and contracted via the Internet , with instant activation and without having to worry about the inspection, since home care is available. In addition, all communication channels with the insurance company (website, telephone line, WhatsApp) are available 24/7 every day of the year.

5. Assistance: Were you stranded by a technical problem? With the auto insurance, all you have to do is pick up your phone and help will be there in no time. Always look for assistance and additional benefits, such as tow truck, replacement car and driver, stay and transfer of driver and companions, tire change, battery and fuel charge, among others.

6. Support and solvency of the insurer: Obviously, it only compares recognized companies, registered and solvent before the Superintendence of Securities and Insurance (SVS).

What is the most reliable auto insurance?

High and extensive coverage, low deductibles, fewer exclusions, variety of assistance, convenience and quality of service, but more than anything, when it comes to defining which is the most reliable auto insurance, choose the one with the best customization options.

On the other hand, ask yourself concise questions to determine the proposal that best suits your needs: do you need to have all the coverage? Which ones are more important? It may not be necessary for you to gather the highest and most varied coverage on the market, but you do need the ones you need the most.