Choosing insurance for your car is very important so that you are guaranteed assistance when you need it.
However, not everyone knows which items cannot be missing from good coverage and ends up regretting a wrong choice at the first need.
To avoid making mistakes when choosing car insurance, we have listed 5 essential items.
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Taking out Insurance
Buying a car is a dream for many people and after fulfilling this desire, it is essential to take out insurance.
Driving around with your dream car without insurance is opening the horizon to several problems.
However, there is no point in taking out just any insurance, think that if by chance you need it, it is good to be able to count on the best.
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The 5 Items That Cannot Be Missed from Your Auto Insurance Coverage
Item 1 – Check the Mandatory Items and Take Out Complementary Insurance
Any and all car insurance must offer some mandatory benefits that make up the so-called basic package. The list of basic items includes coverage for collision, theft, theft and fire.
However, even knowing that they are mandatory items, it is important to read the policy.
To make your policy more complete, it is interesting to purchase what is called Optional Civil Liability Insurance for Vehicles (RCF-V).
This is insurance that covers damage caused to third-party property, something that can save you a lot of headaches in an accident.
Another insurance that completes the basic coverage is Passenger Personal Accident Insurance (APP), which offers coverage for passengers who are in the vehicle at the time of the accident.
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Item 2 – Value of Optional Civil Liability Insurance Coverage for Vehicles (RCF-V)
Taking out this insurance for your coverage is indisputable, be sure to also consider the value of this insurance.
In recent years, the automobile market has seen a considerable increase in vehicles, so getting involved in an accident with an expensive vehicle can be easier than it seems.
Auto insurance experts warn that the difference in value between insurance coverage of R$50,000 and coverage of R$100,000 is around R$100.00 to R$300.00.
It is interesting to invest more in your policy and have more peace of mind than going through complications when causing damage to a car that is much more expensive than yours.
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Item 3 – Pay attention to the value of the franchise
This is one of the most relevant questions when thinking about car insurance.
Remember that any and all amounts less than the deductible must be borne by the insured.
Therefore, it may not be interesting to take out insurance with a high deductible value.
Basically, the insured must think about whether the deductible value they wish to take out is within their budget in the event of an accident.
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Item 4 – Smart Hiring
Obviously there is coverage that is essential and cannot be missed, but your car insurance can be much more affordable and assertive if you make a smart purchase.
Think about how you will use the car and what type of problem situations it will be exposed to, then list the necessary coverage.
For example, those who use their cars a little can take away some additional items and services.
If your car has 0 km, it may be unnecessary to hire 24-hour assistance as car manufacturers usually offer this item free of charge in the first year of use of the vehicle.
Another point that should be considered is the need for a spare car, that is, will you need another car if yours is due for repair?
If you can use public transport or another alternative, you can reduce the value of the policy by eliminating this item.
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Item 5 – Do Your Part and Get Discounts
Talk to your insurance provider to find out if there is a discount for customers who park in secure locations such as parking lots and garages and use anti-theft devices.
In addition to having more security in your daily life, you can negotiate a discount for having a less vulnerable vehicle.
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