To enjoy your car, you need to have good insurance that gives you all the guarantees. However, there are numerous types of insurance that can be adapted to your needs, without you having to pay for services that you are not going to use. In order to choose well, it is important to know the car insurance available in the market.
Next, in, we tell you what types of car insurance there are. In addition, we anticipate that with a good car comparator you will be able to access all the necessary information to know the most suitable services for your vehicle and the insurance coverage, without paying more and without giving up the best assistance.
What is car insurance
Car insurance is a fundamental and mandatory document to be able to drive, so it must be managed before starting the vehicle for the first time. It is a contract that must always remain in force and is intended to cover damages that may be caused while driving. Thanks to insurance, drivers do not have to face financially directly the damages that may be caused, since they are covered, although the coverage will depend on the type of insurance contracted.
An insurance comparator allows you to make an efficient search to find the insurance that best suits your needs. The coverage of these contracts can be varied, so if you do not want to pay more, but have the maximum guarantees, look for the different alternatives to contract insurance through a comparator and easily choose the best option.
Types of car insurance, what are there?
Basic, third-party, all-risk insurance… There are different types of car insurance and it is important to know them before hiring one, to choose the most suitable option for you. These are the main types of car insurance there are:
Compulsory automobile or third-party insurance
This is the compulsory hiring that must be carried out before putting a vehicle into circulation. This type of insurance serves, mainly, to cover the civil liability of the driver, that is, all personal and material damage to third parties in the face of any traffic problem in which the driver is responsible. This basic type of insurance is the way to protect the driver of the vehicle. These policies include legal defense, always with contractual limitations, as well as cover the damage caused to the other vehicle. However, compulsory insurance does not cover personal and material damage to the vehicle and the insured driver, although it does cover that of the occupants of the vehicle itself.
To obtain more complete coverage, insurance companies offer other types of insurance that complement the basic and compulsory insurance. You will be able to find the most suitable option for you through a car insurance comparator. Among the most demanded insurance, the following modalities stand out:
Extended third-party insurance
Extended third-party insurance is another option that guarantees you have more benefits than basic insurance. Companies can offer more coverage as a package or independently, but generally include total or partial glass breakage, fire insurance or repair of damage to the car.
Likewise, at the level of civil liability, the policy is completer and more interesting so that the driver can have good protection and also to ensure coverage for the vehicle always depending on its use.
Comprehensive car insurance is the most expensive, but it is also the one with the greatest coverage for both the vehicle and the driver. In addition to the basic ones that are included in the basic or extended third party, these policies always cover the driver and the car if they are involved in an accident, whatever the cause and even if there are no third parties. It is the insurance that protects you in any circumstance. With it you can get a replacement car in case of an accident and you are covered in case of theft.
Comprehensive insurance is characterized by the option of having, or not, a franchise. With the franchise, the cost is cheaper, since the insurance only covers part of the expenses and the owner will always bear the costs until the amount of the franchise is paid. Comprehensive insurance without excess is much completer and more effective and assures you the maximum coverage.
How does a car and insurance comparator work?
A car and insurance comparator are a very useful tool when looking for the best car insurance. This application allows you to search for different prices between different companies and with different options at the level of benefits, making it the easiest way to compare insurance according to its price and coverage.
Making the comparison through online comparators is very easy. You just have to include all the necessary information to make an estimate and calculate the price of the recommended car insurance. This allows you to get an idea of what each insurance offers at the service level, as well as the most competitive prices in the market.
The comparators help us to carry out an analysis of the different proposals and coverages to select the most convenient insurance policy in each case. How? By analyzing our real needs that, on many occasions, make us do without all those unnecessary covers that only increase our insurance premium. In addition, the comparator is the fastest way to obtain different quotes and save on car insurance.