The advantages of having car insurance are much more relevant than you might think. Have you ever stopped to think about how many benefits you receive when you make a good hire?
It is common to think about mandatory insurance or just in accident situations, for example. However, coverage offers more than just protection for these moments.
To understand better, check out the main advantages below!
Find out how car insurance works
How car insurance works is simple. You contract the service and guarantee protection for the vehicle. In practice, there is a value determined according to the coverage. It is possible that the service is only responsible for accidents or unforeseen events on the road, for example.
In general, the value of this insurance varies according to the type of car, the number of kilometers driven, among others. In addition, criteria are considered, such as:
- place of circulation;
- use — for work or home use;
- Selling price.
- Driver’s age
- Garage
The level of assistance varies depending on the company and the packages offered. There are basic policies and also additional assistance that can be purchased separately. Therefore, the benefits vary greatly depending on the coverage and policy, and it is essential to analyze what is most valid for your case.
See the 6 advantages of having car insurance
It is important to always consider that the advantages of having car insurance only increase as you purchase the policy. In the basic service, coverage usually covers items such as theft, theft, collision, etc. Discover below what the main advantages are according to different coverage’s!
1. 24-hour support
Have you ever noticed that a tire only goes flat in difficult situations? It’s never close to a tire shop, and you never have time to spare. 24-hour support is a nice perk of having additional coverage. You can even request a spare car, if applicable.
Another important point is that you have assistance to resolve accident issues at any time. Even if the collision occurred during the early hours of the morning, assistance will always be guaranteed and with less chance of loss.
2. Protection against third parties
No matter how careful you are, no one is safe from a collision. And much less one caused by third parties. One of the advantages of car insurance is having protection against these damages, whether small or large.
Depending on the type of coverage, even broken glass can be part of the insurance. Not to mention that, if you are the one causing the crash, there is also the possibility of covering the details of the car involved from your plan with the best insurance company you hire.
3. Financial peace of mind
Even a simple accident tends to be costly, especially because it is not something expected or something that can be anticipated financially. Therefore, having insurance is a way to have more peace of mind. Even if you only use it a few times, the cost of insurance will always be better planned.
What happens is that you can include the value in your budget organically. This way, you can easily control your expenses without having to worry about financial surprises.
4. Ease of repair
Even a towing service is part of the advantages of having insurance for your vehicle. The cost of a service like this is high, even if you don’t even know what happened to the car. If hired, this additional fee facilitates such repairs.
It is worthwhile to emphasize the potential for having a backup vehicle. My vehicle broke down. You don’t have to walk or rearrange your plans if your car breaks down in the middle of the week, for example, because you don’t own one. Just ask for a substitute until the issue is fixed.
5. Complete protection
Unfortunately, robberies and thefts are a reality. When complete coverage is contracted, the protection also extends to these situations. Everything will always depend on what is in the contract, however, it is possible to take care of even the items that are inside the car.
According to your policy, you can be compensated in cases of both stolen objects and theft of the vehicle itself. The contract will always specify the conditions and make your life easier in this type of unexpected situation.
6. Service option
For those looking for maximum practicality, insurance has advantages that go far beyond. The chauffeur service is an example of this. Depending on the policy, it is possible to contract this option and have it available according to the rules of the contract.
It is also worth mentioning that certain insurance companies have agreements with parking lots and companies in other niches. Consequently, many offer discounts and service options that go beyond the car itself.
Before closing, it is worth emphasizing that services vary according to coverage. In the basic policy, the following cases are usually included:
- collision, fire, robbery and theft;
- theft, theft and fire;
- collision and fire;
- full compensation due to collision, fire, robbery and theft;
- Full compensation due to theft, theft and fire.
The order and coverage varies according to the insurance company contracted. However, initial protection involves these situations. As for extras, it varies a lot.
It is even possible to add car armor and anti-theft systems as part of the policy. Always remember that additional payments are negotiated at the time of contracting and will have values according to the negotiation.
In short, there are many advantages to having car insurance. For those who only use the most basic coverage, collision situations are covered, but they can also involve robbery and theft. For those looking for more complete coverage, additional services involve options such as a tow truck and driver as well as shielding or protection of windows and headlights. Thus, the benefits only grow, being very valuable for any vehicle owner.