Finding the best car insurance
To travel with our vehicle is required to have car insurance that includes at least the mandatory liability that handles cover any damage we cause to other people or things. This coverage is included in all car insurance to third parties, usually complemented with other services and guarantees that make these products more attractive and competitive.
When choosing a car insurance have to analyze well what our real needs depending on the use we are going to give our vehicle, its age-old and our driving profile. Thus we can choose the type of policy that best suits us and ignore what we need and not be able to adjust to the maximum the price of the premium.
In any event, in recent years, due to intense industry competition and the emergence of new direct selling companies, insurers have improved and expanded its offerings and adjusted prices to attract and retain customers. However, it is possible to find significant price differences between the various companies with whichone of the quickest and easiest ways to save on car insurance is to compare among all the offers on the market to find one that meets our needs at the best price.
Car insurance rates
Each vehicle and driver have a specific needs. Therefore, before hiring a safe is worth examining what use will give the car may expose us to risks, in order to define the type of car insurance is best for us. Currently, these are the most common types of market policy.
Car insurance to third parties : as already mentioned, this policy covers the mandatory liability, ie the damage we cause to others. It may also include other coverages such as voluntary liability, roadside assistance, legal defense or safe driver.
Comprehensive car insurance third : the third expanded insurance is basically a safe fuller others including, in addition to the guarantees of the previous mode, coverage of theft, fire and moons. Some insurance companies include in this mode also cover defense of fines, withdrawal of subsidy card or replacement vehicle.
Car insurance all-risk : it is the most complete form of insurance because it adds to the above the material damage to the driver and vehicle.
Car insurance with excess : with this variant of insurance the insured agrees to pay part of the compensation in the event of a claim. For example, if a policy with a deductible of 300 euros, in case of accident the customer must pay 300 euros for the repair and the company will take care of the rest are hired. This mode allows you to lower the price of the premium, which is an interesting option for drivers who want to have protected your vehicle but do not use it often.
In any case, even though the various types of insurance include similar coverage, the truth is that it is possible to find significant differences between companies both guarantees and price. Therefore, it is essential to compare all offers industry to choose car insurance that best fits the needs of the customer and the best possible price.
What to consider before hiring a car insurance
Before hiring car insurance is essential informed of options, offers, and, in general, what is offered by the different companies. Finding a cheap car insurance is important, but we should not neglect other aspects such as coverage or service provided by the entity in order to avoid problems in the future.
Usually, before hiring a car insurance we should pay attention to some aspects:
Which covers our policy: the first thing to do is to review in detail the coverages that includes our car insurance and . Not be guided solely because the case of a cheap car insurance also must analyze whether we need all the guarantees included or we can spare some, which could reduce the cost of the premium.
Beware of exclusion: good to know that all car insurance, even the most comprehensive, feature a number of exclusions, that is, situations or events that our policy will not cover in any case. Claims arising as a result of race or reckless acts such fall under this aparatado. Apart from these general exclusions for all companies it is advisable to test whether our policy includes some specific exclusions.
Limits of coverage : should also check what is the limit of some hedges to check to what extent we are protected by our policy. For example, to what covers liability or if there is a maximum of roadside assistance service annually.
Extra services: with the usual toppings car insurance, some companies include in their policies additional services or discounts on different types of establishments as an added value to its customers. If you are interested in this type of consulting services the company can offer before signing the policy.
How to save on car insurance
Each company sets its own system of calculating car insurance premiums based on a number of parameters such as the characteristics of the vehicle and driver and, above all, on the claims history. After the economic crisis and strong competition that has seen the insurance industry in recent years, many car insurance companies have adjusted their premiums to offer insurance to their customers cheap car. However, there are still opportunities for savings by following these tips:
1. Compare between different companies : the supply of cheap car insurance is wide and you can find many companies willing to insure our vehicle for a set premium. No clutch always lowest price is not the best option, so it is advisable to compare well with the available offer to find cheap car insurance but with the necessary guarantees.
2. Only reserve what you need: sometimes even insurance policies include coverage cheap car we are not necessary and we can do without. Therefore, before signing the policy reviews and analyzes the contract if you need all the coverages it included.
3. Keep a clean record: Obviously, the sinister menso have a driver if they are to blame, more likely they are to find cheap car insurance. The claims history is one of the variables that has the greatest impact on the calculation of the premium car insurance. Most companies penalize or bonifican its customers based on that history, so if you're prudent driving and there is no at-fault accidents is possible to find cheap car insurance. In addition, some companies offer special discounts if, for example, you keep all parts of your driving license.
4. extras too expensive premium: some of the extras that are incorporated into the vehicle may cause the price of car insurance increases, as companies understand that the cost of repair or replacement is higher. If you want to add to your car a sunroof or consultation team can sound before how much more expensive the insurance premium car.
5. Save the car in the garage: if your vehicle is more exposed to theft the cost of the premium for car insurance may be higher. Having an alarm in the car or store it in a garage reduces the risk of theft and therefore also reduces the cost of the policy.
6. To book: in recent years, due to intense industry competition, the car insurance companies have tried to not only attract new customers but also retain those who already have special offers and discounts on their premiums or hiring new product with the company. However, it is usually possible to find better deals to change our company which offers our current insurer, which before renewing insurance should automatically compare the offers from the rest of the market.
7. Beware of additional drivers: the price of car insurance can be increased if we add in the policy a driver with a higher risk profile than the us, for example, a child under 26 or drivers who have had accidents with because in recent years. Therefore, before you do think if it is really necessary and valued the price increase in the premium.
Include an occasional driver in our car insurance can increase the cost of the premium, especially if the driver is under 26 or if you have less than two years of experience in the card. Therefore, before you do think if it is really necessary to check which companies penalize least include such drivers.
What factors influence to get a car insurance b Arato
Each company calculates the price of car insurance on the basis of parameters. Usually, these are the aspects that are considered in determining the premium you pay each year for our car insurance.
1. Type of car : the vehicle model, the power, if it is diesel or gasoline ... all these influences in one way or another on the cost of the premium. Models that statistically have a higher accident rate rigged carry a price of higher insurance.
2. Driver's age: the young are often a risk profile in virtually all car insurance companies. Generally, children under 26 years pay more on their policies for this reason, however, some insurance companies car have launched specific policies for this group so that young people who are good drivers should not assume these penalties in premiums. They are the pay-per-use insurance, where the premium you pay each driver is set based on your driving habits and not their age.
3. Experience in the card : closely related to age are the years of experience in the card. The greater our experience lower the price of car insurance.
4. Location : although it is curious . The city in which we live can also affect the price of our car insurancerelated to traffic density or theft of vehicles in each region aspects are also taken into account in determining the premium price.
5. History accident: this is the aspect that most weight in determining the insurance premium car. Companies have a system of bonuses and penalties (the system * bonus-malus *) that used to raise and lower the price of insurance based on claims that accumulates each driver. You can be a driver with numerous claims to be expelled insurance or company willing to assure find. In these cases we must resort to the Insurance Compensation Consortium, which is the body responsible for providing insurance assistance to such drivers to enable them to move.
Extra services Car Insurance
As a result of the high competition and customers are increasingly demanding, many car insurance companies have been included in its offer certain services that may tip the balance when opting for one or another company.
More and more insurance companies that implement loyalty programs with discounts and benefits that improve customer satisfaction and increase their links with the company. Among these programs are the points cards or programs that offer discounts on insurance company or shops and merchants.
These programs may include benefits and reductions in areas such as leisure and gastronomy or aspects of the car such as the refueling of petrol and vehicle maintenance.
Some of these frills car insurance include, for example, show tickets, legal counseling services or family support or discounts and points on all purchases.
Use our comparison car insurance and save up to 65%
Are you looking for cheap car insurance , in comparison Kelisto car insurance you can save up to 65% in the price of your policy or what is the same, more than 120 euros a year.
Therefore, if you are looking for car insurance, you should use our comparative safety . With it you will get resultsmore than 25 insurance companies for free and in just a few minutes, tailored to your needs and personalized way.
To receive them, you must only answer a questionnaire to determine the characteristics of your vehicle and your needs as a driver. It will not take more than five minutes to complete and can compare leading insurance market and receive offers that best fit your profile. Free and lowest prices guaranteed.
How does a comparison car insurance work?
Hire a car insurance is something you have to make compulsory if you want to drive, and that the law marks.Therefore, since you have to do, let yourself be guided by a comparator car insurance . And if you already have contracted policy, compared to see if you can get your car insurance cheaper before the renewal date.
You could go insurer by insurer analyzing which offers each, but what we're proposing is to use a comparison of online car insurance and save time and money.
When using car insurance comparison of Kelisto, as each policy is carried out in a personalized way, you'll have to provide some information about driving behavior and needs.
To do this, we will make a series of questions. We ask you to respond truthfully to questions of the form, as they have been raised by the insurers themselves and these companies are taken into account when setting prices for premiums for car insurance.
With this information, policies that can offer each insurance automatically, without you having to be referring to both types are compared. So, we get the price of your car insurance personalized and we can order you proposals from different companies according to that best suit you.
Compare our car insurance get in a few minutes free, prices of major companies. From your answers, and depending on factors such as age, years to take driving or antique car, car insurance comparison will determine your risk profile. And based on it will return results that best suit you and your vehicle.
According to our reports, you can expect to save 120 euros per year on your car insurance, so the comparison exercise worthwhile.
What insurers compared to our comparator?
The market is broad, diverse options and choose a car insurance can be a very complex decision. So in Kelistoalways we recommend using a car insurance comparison website that calculates, depending on the characteristics of each car and driver, the cheapest insurance. You will not have to worry about going and asking insurer for insurance from the comparator do all the work for you.
In Kelisto we make a customized benchmark among the top 25 insurance companies operating in Spain. With our comparison, have the best options on the table to choose the car insurance that suits you.
We compare the major insurers, ie those which account for 80% of the market. This however does not mean that when you go to fill our form to receive a quote of them all. And it is that insurance companies offer lower prices for a specific profile may have a higher price for your profile. For example, if your risk profile is higher because you are under 25, or have a few years of driving license, the number of insurers that want to make sure it will be less and therefore have less choice in our insurance comparator car.
Our comparative requests in real time, on budget, according to your data and your vehicle features offered by each insurer.
Remember, only after using a car insurance comparison you can be sure that the option you have chosen is the most appropriate to your needs and your pocket.