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Before quoting your car insurance policy, you must know what it is. What does it contain? How to contract it? Throughout this content, we share relevant information so that you can successfully contract your insurance.

As such, car insurance is a financial tool operated by insurance companies, where through a consideration called premium, the insured will have different coverage, assistance, and insured sums to meet the expenses or needs in the event of a road accident.

Everything that is contracted and stipulated between the insurer will be based on your car insurance policy, which is the official document that guarantees that you have current car insurance. Through this type of document, you will be able to consult different variables. relevant to your insurance such as:

• Contracted coverage
• Additional coverage
• Benefits
• Terms and Conditions
• Exclusions
• sums insured
• Deductible
• Personal information of the insured
• Vehicle data
• Contract term
• Payment installments whether monthly, quarterly, semi-annual or annual
• How to report an accident

As such, your policy is the document that will validate all the contracted benefits. Having it when you suffer an accident or mishap is vital so that the insurance adjuster can know the limits of care they can provide you.

Likewise, it is vitally important to check that your data is correct so that it can be valid, as well as being up to date with payments.

Where to buy a car insurance policy?

To quote and contract a car insurance policy, you can do it through your insurer’s offices or by telephone. Fortunately, today there are digital tools such as insurance quotes where by simply entering basic personal data you can obtain prices for the auto insurance policies. sure of your interest.

With Mejorsegurodeauto. mx you can quote with more than 20 insurers available in the market, these companies are registered with the National Insurance and Bonding Commission (CNSF) in addition to having expertise in the development of auto insurance policies, taking care of The losses at the time of an accident are as small as possible, in addition to having the financial strength to be able to support you financially through the contracted insured sums.

Based on recommendations from the National Commission for the Protection and Defense of Users of Financial Services (CONDUSEF), it is recommended to compare at least three options to review benefits and costs and choose the alternative that best suits your needs.

What are the Benefits of Hiring an Auto Insurance Policy?

By taking out an insurance policy you will be able to have benefits against the main risks that may occur when driving as well as other types of assistance that help to cope with this situation in the event of material damage or bodily injuries, some of the benefits of hiring car insurance are:

• Protect the investment you made when purchasing your car
• It covers the medical expenses that both the driver and his companions may need in the event of a catastrophic accident or where there are injuries.
• You will have the minimum requirements by the Law of Roads, Bridges and Federal Motor Transportation to be able to travel on roads of the Mexican Republic, guaranteeing compensation for damages to third parties.
• Receive compensation in case of total or partial theft of your car, as well as damage to your vehicle in an accident
• Covers any damage caused by crash, rollover, collision, natural disasters, etc.

As you can see, the benefits of having car insurance are very broad, however, the type of coverage chosen must also be considered, since currently insurance companies usually offer up to three types of insurance, which adapt to each other. to the use and economic needs of users.

What coverage can I purchase for my insurance policy?

When purchasing a car insurance policy, you will have to choose the coverage that offers the benefits you are looking for, some of its main characteristics are:

• Third-Party Damage Insurance: Also known as “Civil Liability” or “Standardized Basic”, this meets the minimum requirements by law, covering both private and public property damage, as well as medical expenses to treat physical injuries. In the worst-case scenario, it also covers funeral expenses. Remember that these benefits only apply to third parties.
• Limited coverage: In addition to having civil liability insurance, you will also have benefits for the occupants of your car such as medical expenses, you will also have road and legal assistance, as well as compensation in the event of the total theft of your car.
• Comprehensive Coverage: This includes, in addition to the benefits of the previous two, material damage to your vehicle, as well as substitute car benefits, zero deductible, protection against tires, glass, theft of auto parts, etc.

Important Factors of an Insurance Policy

Although we have already mentioned some of the data included in an Auto Insurance Policy, it is important that you also know more about the details included in it, which is why we list some relevant aspects.

• Policy Cover: Document that specifies the data, policy number, contracted coverage, sums insured, and validity, among other data. You must save this document and have it on hand to facilitate any claim or process that you want to carry out with the insurer.
• Premium: Each month or each year a certain amount of money is paid to remain insured, this is known as a premium.
• Insured Sum: Maximum amount of money that is contemplated for covered mishaps. This may vary according to the client’s needs and desires, but it is best to seek advice before making a decision. You should also take into account that the greater the insured sum, the greater the premium that must be paid.
• Deductible: Amount that must be contributed in each event for the insurance to cover what was agreed; A higher deductible lowers the cost of your premium.
• Coinsurance: Percentage of the total expenses generated by an event; It can be differentiated from the deductible since coinsurance depends on the expenses generated by a claim or accident.

By knowing all these aspects, it will be easier for you to use your car insurance and you will know its costs, as well as situations in which you will be protected.

How to interpret a Car Insurance Policy?

If you are paying for a service, it is best to get the most out of it, as in this case, it would be an Auto Insurance Policy, so understanding every aspect of it will bring you thousands of benefits, plus you will not be throwing your money away.

If you are involved in a claim or accident, you can contact your insurer and use your policy, which is why we emphasize the knowledge you should have in this regard.

At Mejor Auto Seguro we will give you a series of tips so that you can make a better interpretation of your insurance contract:

• Read the general conditions of your contract: Here you can find what your policy covers, and details such as costs, beneficiaries, insurance validity, coverage amount, deductibles, and uncovered risks are also specified.
• Know who the insured is and their beneficiaries: The insured is the main character in auto insurance, since it is the insured person, while the beneficiaries are additional drivers who could also be protected.
• Analyze the contracted coverage: Not all insurance companies have the same clauses even if they are similar plans, since they may vary in costs, exclusions, and assistance, among others.
• Know the exclusions of your policy: All insurances have situations that are not protected by your insurance, which is why it is recommended that you know the limits to avoid future conflicts with the insurer.
• Do not overlook references to other sections: It is common to find a reference to another section within the policy contract, so it is advisable that when this situation is found, you investigate whether the mention of that section exists.
• Understand all the terms and definitions: A contract normally contains terms that not all of us understand, so you can consult online glossaries or ask your advisor directly to clear up any doubts.
• Ask your advisor if you have any questions: Once you have read your policy, discuss with your advisor any questions you have, this way you will avoid problems in the future and be able to put your insurance to good use.

Is my Insurance Policy valid?

It often happens that many drivers are always doubtful about the validity of their Auto Insurance Policy, so at Best Auto Insurance, we will explain some of the methods to know the validity.

• Review your insurance policy where the start and end date of the contract is stipulated.
• Get in touch with your insurer.
• Enter the website of the insurance company that provides you the service and verify the policy number.
• Verify from the site of the Mexican Association of Insurance Institutions ( AMIS ), where you are asked for the vehicle serial number or VIN.

By having your policy in order and force, you will be protected at all times when driving depending on the type of coverage you have contracted, which is why it is important to know the contracting dates since there are insurers that do the contracting automatically, and in If you want to change companies, you will have to go to your advisor to cancel the policy.

Hire your Policy from Best Auto Insurance and protect your vehicle!

Now that you know a little more about how an Auto Insurance Policy works, it will be easier for you to take out insurance for your vehicle, and you will know that it is a simple and quick process with the help of some tools that you can find online.

Remember that you can use online quotes like Mejorsegurodeauto.mx to be able to choose the auto insurance that best suits you. They are also very easy-to-use tools that will help you contract a policy with some of the best insurers in the country, including many of these portals offer you promotions and discounts when making the contract online.

It is also important that before hiring car insurance you take into account factors such as the model of your vehicle, how you use it, age, lifestyle, where you live, among others, since they are important to choose the coverage that best suits you. suits you, and as we mentioned, these are factors that cause the costs of the package you want to contract to vary.

An Auto Insurance Policy is suitable for you if you are looking for complete protection for you and your family, and you will have the convenience that the insurer has a mobile application to facilitate and speed up the processes in the event of accidents.

Don’t wait any longer and compare, quote and contract your policy at Best Auto Insurance!