Having a car represents a responsibility for every driver, since there are many cares and precautions that must be taken into account in order to keep it in proper working order. Beyond just having good maintenance through an authorized car mechanic service; your car insurance should not be left aside. But, how important is it? And how can you choose your car insurance? We will answer these very interesting questions below.
How can you choose your car insurance?
Having car insurance is an everyday requirement that you can choose without much inconvenience. Below we will show you some examples that will surely be very useful for you:
How to choose your car insurance in the USA
When choosing car insurance in the USA, you should keep in mind that you will be asked for information such as:
- Name, age and marital status
- Driving record (including accidents and infractions)
- Average annual mileage
- Car identification number
- Year and cost of the car.
Having this information, all that’s left is to go to an insurance company, but what are the best car insurances in the U.S.? Below we show you the most outstanding ones:
- NJM: considered one of the best in the country, but only operates in Pennsylvania, New Jersey and Connecticut.
- Allstate: an ideal option for prudent drivers, as it includes a replacement car, a bonus for good driving every 6 months and a first accident waiver (a benefit offered by some insurers that prevents the fee from increasing if the insured is guilty of an accident for the first time, although some exceptions may be included; for example, it does not apply if the insured is under the influence of alcohol).
- USAA: only operates for those with military affiliation, i.e., retired soldiers, active or family members. This company has the highest satisfaction rate.
How to choose your car insurance in Mexico
If you are looking for car insurance in Mexico, you should be clear about the requirements you need to have at hand, which are the following:
- Identification with full name
- Driver’s age
- Driver’s license or permit
- State and zip code of circulation
- Indicate the use of the vehicle (example: personal, chauffeur…)
- Car information: age, make, model, registration number, license plate number and serial number.
Now, what are the best car insurances in Mexico? Here are some recommendations:
- BBVA: you will be able to customize your insurance at your convenience and you can report claims or request assistance 24 hours a day from their mobile app. In addition, they offer the option of lending a car (maximum 20 days) if yours is in the repair shop.
- Seguros Santander: here you will find 11 insurance companies in Mexico, which you can compare and choose the one you prefer in a few minutes.
- Seguros Sura: not only will you have the option to cover possible expenses of your car, but you will also be able to protect your family, pets and yourself in case of an accident.
How to choose your car insurance in Argentina
In the case of looking for car insurance in Argentina, the requirements usually requested are:
- ID or Driving License
- Motor Vehicle Title or Vehicle Identification Card
- CNG card, only if the vehicle to be insured has Compressed Natural Gas equipment.
- Bring the vehicle.
Having this information, the only thing left to do is to contact the insurance company. So, we recommend the following car insurance options in Argentina:
- Federación Patronal: a company with almost 100 years of experience in the area, available in all locations in the country.
- La caja: you will be able to get a good variety of plans and generally, good discounts.
Rivadavia: provides 24-hour assistance. It is also a good option that will serve you in neighboring countries. In addition, they offer legal advice as an additional service.
What should you keep in mind before choosing a car insurance policy?
You cannot leave out aspects such as quality of service, customer service, response time, solvency of the company and so on. It is worthwhile that before making a decision, you analyze several options and compare:
- The coverages: analyze the available coverages; take into account what they offer in cases of theft and vehicle damage, moral damage, emergencies and damages due to eventualities. The best options offer customized coverages that adjust to your preferences.
- Exclusions: these are risks not covered by the car insurance, such as damages caused by driving under the influence of alcohol.
- The deductible: the amount that the insurer does not cover.
- Liability with third parties: in the event of being involved in an accident and having caused damage to a third party, the insurer may cover such expense.
- Assistance: if you are stranded due to a technical problem with your car, you can call the insurance company and wait for help to arrive. It is ideal when you need a tow truck, tire change, battery charge, among others.
Finally, do not forget to compare the support and solvency. In this way, it is best to opt for those insurers recognized.
The importance of choosing your car insurance
When driving without insurance, as the owner of the vehicle you have several risks, which may vary according to the laws of each region. But in general terms they stand out:
- Traffic fines
- Loss of license
- Impounding of the car by the police
- An uninsured car involved in an accident can generate serious legal problems, even jail.
Your car insurance is as necessary as your gas or battery, so you should not have an uninsured car.
