The keys to choosing the best insurance for your car

If there are many types of car insurance, it is because each one adapts to the needs and characteristics of each vehicle and driver. Insuring a new car is not the same as insuring another that is more than ten years old. We give you the keys you need to know to choose the best insurance for your car.

When choosing the best car insurance, you should know that there are many types of car insurance : third party, extended third party, all risk without excess or with it. Each of them covers a different need depending on the nature of the driver and the vehicle itself.

You have to find the insurance that best suits what you want. At RACE, for example, we have a insurance recommender with whom, in a few steps, we offer information about whether the insurance you currently have is the most suitable for you or if you should change it.

Do I contract my insurance directly with a company or through an insurance broker?

In the market you will find the option of contracting directly with an insurance company or contracting through an insurance broker (at RACE you can count on our own brokerage: ASEGURACE ):

• If you bet on an insurance broker, the act is usually more thoughtful: the driver likes to compare the available offer with an insurance comparator like the one we have at RACE and usually looks for a more personalized product. Normally you will get a good price because it will be adjusted with the company. In the case of going to a mediator, he is obliged to carry out an objective analysis that includes a comparison of insurance according to coverage and prices, which is very practical when choosing a good insurance that suits your needs.

Do not pay more than the account with your car insurance

In general, RACE recommends choosing comprehensive insurance as long as the car is not more than five years old. In the event that it exceeds them, and depending on the condition and the use you give the car and its depreciation, which is variable depending on the make and model, it may be more interesting for you to take out comprehensive insurance or, at On the contrary, opt for a "third party" with extended coverage, such as fire, windows or theft, among others. If the vehicle is more than 10 years old, another option to consider is third-party insurance.

Other factors to consider when choosing the best insurance for your car:

• If you live in a rural or isolated area with nearby hunting grounds, you are interested in considering contracting the optional and additional guarantee for hunting damage, to cover the driver's liability, or also the coverage of free choice of workshop to be able to repair your car in one nearby. and trustworthy, like Eurekar workshops , which work under the RACE guarantee. An extra can also be added to the coverage to ensure a replacement vehicle when yours is being repaired.
• If you live in a city and leave your car parked on the street overnight, fire, theft and glass guarantees are essential if you don't have comprehensive insurance.
• If you drive a high-end car, you may be interested in maintaining comprehensive insurance for a little longer, since repairs are usually more expensive.
• If you make sporadic use of the car, you may be interested in paying for what you drive . This is known as the “Pay as you drive” insurance modality , an option to take into account for drivers who use the car from time to time.
• If you only use the car on vacation , you can consider insurance for days or weeks. In the article on temporary car insurance we tell you when you are interested in hiring this type of insurance.
• If you are an occasional driver of your father's or your partner's vehicle , you should make sure that you can sign up for the insurance as an authorized driver because it will be cheaper than hiring an independent policy.
• Do not get carried away by promotions , especially when you are not a new driver. If you have had an accident, we recommend that you value your experience with the company with which you had contracted the insurance: how they have managed the accident, the attention they have given you as a client, the work of the workshop and the expert, the assistance on road etc. If the experience was good, do not lightly consider changing companies.
• Check the market value of the car that the company would assume in the event of an accident or the compensation established if you suffer an accident with damage. These are fundamental issues to take into account if you do not want to be scared when you have to resort to insurance.