In Peru, only a portion of the vehicle fleet is protected against accidents, theft and other accidents, while other cars are at the mercy of all these risks.
Not having vehicle insurance, unlike what many drivers think, can be a big blow to family finances. Therefore, understanding their importance and taking them seriously is vital to protecting the heritage and the budget. Hiring insurance does not have to be difficult or expensive, the key is to understand some important elements that are part of the process.
In this sense, these are some points that you must take into account before hiring vehicle insurance:
Find the ideal coverage for your profile
What type of coverage are you looking for? Each has different elements that make them more and more complete, but also increase their prices. The basic coverages are of civil responsibility, while the most complete ones are of all risk and include so much to the people who go in the vehicle, the damages to the car and protection against thefts.
Pay attention to deductibles
Each coverage has a deductible, that is, the amount you will have to pay in order to activate the compensation. Before hiring any, make sure that it is an amount that you can assume and that it is consistent.
Do not forget that your profile and that of the car influence the price Your age, where you live, as well as the model of your car and the year, influence the price of the policy. These factors may cause the price to increase or decrease, the chances of getting involved in a casualty are also affected.
Review payment methods
Paying for insurance in cash or in installments also affects how much you will spend on it. You should not forget that the option of fees can demand interest, so knowing exactly the amounts will help you decide.
Search for the ideal benefits
Depending on your profile, choose options that offer you the benefits that you will use, such as: fuel discounts, technical reviews, free SOAT, among others. Remember that each insurer has different options.
If you are still not sure which product is best for you, the ideal is that you have at least three alternatives and that you can discard them. For that, compare the different insurers.