Hire car insurance is one of the first steps you should take when purchasing a vehicle. Whether you have just purchased your first car or are looking to change insurance companies, having the right adequate information is key to making an informed decision. In this article we explain in detail the types of insurance available, the main insurers you can compare with and how to choose the best offer based on your needs and budget.
Types of car insurance
When you decide take out car insurance, it is important to understand the options available. These are divided into broad categories based on the level of coverage they offer:
- To third parties: This is the most basic and economical insurance, required by lawIt covers damage you may cause to other vehicles, property or people, but does not cover damage to your own car.
- To third parties extended: Includes the coverage of basic third party insurance, adding theft protection, fire and damage to the vehicle's windows.
- Comprehensive insurance with deductible: It offers full coverage for damage to third parties and to your own car. However, the insured must assume part of the cost of repair (excess) in the event of an accident.
- Comprehensive insurance without deductible: This is the most comprehensive and expensive option. It covers all damages to both third parties and your car, without you having to assume any additional costs for each part you provide.
The choice of the type of insurance will depend on factors such as: age of the car, the use you give it and your budget. For example, for new or high-value cars, comprehensive insurance may be the best option. If your car is several years old or you use it little, extended third-party insurance may offer good value for money.
Featured insurers that Doctori.com works with
Doctori.com is a insurance comparison platform Doctori.com works with some of the most renowned companies in the sector. Thanks to this tool, you can compare prices and coverage from a wide variety of insurers in one place. Among the main insurers that Doctori.com works with are:
- Mapfre
- Allianz
- Axa
- Pelayo
- Zurich
- Mutua Madrileña
- Adeslas
- Toilets
- Asisa
- Reale Insurance
- CNP Assurances
- Caser Insurance
- Verti
- Fiatc
- Liberty
At present, Pelayo, Axa and Liberty Seguros stand out as economic options for basic third party insurance. These insurers offer competitive prices without compromising the quality of their coverage, making them an excellent option for those looking to save on their policy.
Steps to get personalized offers
Comparing insurance on Doctori.com is a simple process that allows you to save time and find the best offer for your profile and vehicle. To do so, follow these steps:
- Access the Doctori.com website: Go to the car insurance section. There you will find an initial form.
- Enter your data: Provide basic information such as your name, phone number, email and the make of the car you want to insure.
- Complete vehicle details: Specify the model, fuel (diesel or gasoline), number of doors, engine power and additional details such as where you park it (street, individual/collective garage).
- Add driver data: It includes information such as date of birth, ID, years of driving experience and whether there will be other drivers.
- Check the offers: Once you complete the form, you will receive a list of insurers with prices adapted to your needs and type of insurance.
Remember to check the details carefully before making any purchase. You can also contact the insurer directly to solve specific doubts.
Key aspects for choosing the best insurance
Choosing the best policy does not always mean choosing the cheapest one. There are several factors you should take into account to ensure a good choice:
Coverages
Make sure the insurance you choose covers all your needs. For example:
- Damages to third parties: Mandatory aspect for any insurance.
- Theft and arson: Ideal if you park on the street or if you own a high-value car.
- Travel Assistance: Very useful if you make long trips.
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Before signing, read carefully the terms of the contract. Some insurance policies may include clauses that limit coverage in specific situations. Don't be afraid to ask and clarify any doubts.
Extras and equipment
Inform your insurer about the extras of your car, such as sunroofs or advanced sound systems. While this may increase your premium, it will ensure that they are covered in the event of damage.
Selecting insurance can seem complicated, but with the right tools and information, the process is much simpler. Take advantage of comparison sites like Doctori.com and carefully analyze all the available offers. This way, you will have your car insured with the peace of mind of knowing that you have the necessary support for any eventuality.